With the expertise that comes from many years of handling law firm risks in a broad range

 of practice areas, and the ability to understand an account on its own merits, RFO

 stands as a stable, focused and committed insurance partner for agents and brokers who

 seek the support and resources to back the development of responsive coverage for their

 difficult, hard-to-place or non-standard law practice risks that don't fit the box of

 standard market programs.

 RFO manages a diversified book of lawyers E&O policies through several facilities/

 programs underwritten by domestic and international A.M. Best "Excellent" carriers.

  Size of Law Practice: 1-50 attorneys and larger; solo practitioners and start up firms are  welcomed.

  Areas of Practice:

  Low and moderate areas of practice.

  More hazardous areas of law as follows:

• Plaintiffs' Personal Injury litigation (including medical malpractice)

• Class Action/Mass Tort

• Securities

• Environmental

• Entertainment

• Intellectual Property (including IP litigation, trademark and copyright, but excluding

     excluding domestic/foreign patent prosecution).

• Real Estate Development/Syndication

   Risk Attachment: Primary and excess policies.  Layered placements involving quota

   share.

   Limit Capacity:  Varies with the program / facility.  High limits are available for

   larger firms.

   Coverage Highlights:

•  Broad definition of Claim

•  Broad definition of Legal Services to include title agent and more

•  Duty-to-defend policies on small to mid-size risks

•  Indemnity (reimbursement) policies available for larger risks

•  Prior acts coverage available

•  Pre-underwriting loss control audits may be conducted at the discretion of the

         underwriter

•  Extended reporting period options available, including disability, death, and

          cessation of practice

•   Defense Costs in addition to limits of liability for small to mid-size risks

•   Personal Injury Coverage

•   Bi-Lateral Extended Reporting Periods

•   Disciplinary Hearings Coverage

•   Deductible reduction for mediation coverage on selective risks

•   Punitive and exemplary damages where allowable by law

•   Claims expense in addition to the limit on selective risks

•   First-dollar defense on selective risks

   Submission Requirements:

   Underwriters in most cases can quote from a competitor's application and supplement

   so long as the information is current and submitted along with currently valued

   multi year loss runs.

   Submissions, where applicable, should include expiring policy information including

   limits, deductibles, premiums and retro dates.

   Contact:

   For more information and application forms please contact the following individuals at

   RFO:

   Bob Ougheltree

   Email: rougheltree@rfoins.com

   Phone:

               Direct: 201-964-9881 extn. 107

               Toll Free: 866-762-2945

   Fax: 201-964-9889

© 2008 RF Ougheltree & Associates, LLC. All Rights Reserved.