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What Is Legal Insurance?

Legal Insurance (sometimes called Legal Expenses Insurance or Legal Protection Insurance) is just like any other insurance: our members pay a monthly premium, and when they need legal assistance, we pay their legal fees.

Do You Recommend Attorneys For Your Members?

Florida State law prohibits us from recommending specific attorneys. Instead, we connect our member clients to our member lawyers using our Attorney Finder, which allows them to choose based on legal expertise, geographical area, and more.

How Do I Become a Member of the Florida Legal Panel?

Be licensed and in good standing with the Florida Bar.

Agree to the terms of the Florida Legal Attorney Agreement.

Agree to provide plan members with covered services at the rates indicated in the Florida Legal Fee Schedule.

Provide proof of professional liability (E&O) insurance of at least $100,000 per claim and $300,000 per year aggregate.

Is there a Fee to Become a Panel Member?

No. There are no fees to join the Florida Legal Panel.

Which Legal Costs Do You Pay? What Are the Total Costs to the Members?

Our clients pay a monthly premium and we pay all legal expenses covered by their plan.

Our members are responsible for all non-attorney costs of a legal proceeding (i.e. court costs, filing fees, copying fees, etc.).

We offer very reasonable reimbursements to our member lawyers based on the services they bill for.

Can Your Members Find Me through Florida Legal Even If the Service They Request Is not covered?

Yes, our members can still use your services regardless of whether or not they are covered in their plan. If the services are not covered, members are responsible to pay you directly.

How Long after a Member Joins Does their Coverage begin?

For bankruptcy-related legal issues, there is a 90-day waiting period.

For divorce and the modification, enforcement, or establishment of a family court order, there is a six-month waiting period.

For all other benefits, the policy kicks in on the first day of the month after you sign up with Florida Legal.

Does A Florida Legal Policy Cover Matters Already In Process?

No; only legal matters that commence after the date coverage begins (or the relevant waiting period; see above) are covered by Florida Legal policies.

Does The Policy Cover The Member Client's Family Members?

The following issues are covered only for the named policyholder: The modification, enforcement, or establishment of a family court order; Divorce.

All other legal needs are covered for each family member listed on your policy.

Once a given benefit is used, the same person cannot use the same benefit again until the plan year renews.

Do Florida Legal Expense Insurance Policies Cover Businesses?

No; our plans are only for consumer legal matters. If you offer business-related legal services, members would be responsible to pay you directly for such services.

How Do Your Member Clients Find Me?

They simply confirm that their matter is covered by the plan they chose then use our Attorney Finder to choose a lawyer they believe is relevant, local, and likely to help. They contact that lawyer and tell them they have a Florida Legal plan and make an appointment.

Do You Provide Any Resources for Basic Legal Advice?

Our member clients can call our Legal Hotline and speak with an attorney directly for basic legal questions.