GENERAL BAR, INC.
Insurance Program

Please note that General Bar, Inc. does not itself insure any forwarded claim, or otherwise provide any surety for any listed firm. The Policy is provided by a commercial insurer, and General Bar’s obligations under this program are to forward any claim with supporting documents to the insurer. General Bar, Inc. expressly disclaims any other obligation or liability of any kind. Accordingly, to the extent the insurer denies coverage of a claim, or coverage is otherwise unavailable, a forwarder will not be entitled to payment from the General Bar, Inc.

Subject to the terms and conditions of the coverage set forth in the Policy, this program indemnifies those who forward cases through General Bar, Inc. to their listed law firms (listees) against loss due to theft, fraudulent, or dishonest acts by listed lawyers and not against negligence or any other delinquent misconduct, error of judgment, or breach of contract whatsoever on the part of the attorneys. This Insurance Program is in the form of a $3,500,000.00 fidelity Insurance Program, and the liability of the General Bar, Inc., its subsidiaries and affiliates, is limited to claims with respect to which Chubb Insurance Group, a division of Federal Insurance Company, accepts liability.

Some key specifics of this program are as follows:

1. The insurance program includes coverage against acts of theft, dishonesty, and fraud. This is not a malpractice insurance program. Contact our office for GB listee malpractice and employee theft information.
2. It covers properly registered cases for 36 months, from the date of employment. Proper registration requires each forwarder to send notification to General Bar, Inc. within 35 days from the date each referral was made to the GB listee identifying the listee and such additional information as the General Bar, Inc. may require. In addition, the listee must be notified on each referral that his/her name was selected from General Bar, Inc..
3. This program covers listees and claims in all 50 states and Canada, but does not provide coverage on foreign attorneys including Puerto Rico, Guam, and the Virgin Islands.
4. Neither General Bar, Inc. nor Chubb shall be liable for any loss through any attorney whose names were not listed in the publication and/or web site at the time of employment. It is incumbent upon the forwarder to consult General Bar’s current directory, web site, www.generalbar.com and supplements, for the most current listee information.
5. Under the terms of this Insurance Program, the loss shall be calculated as the net sum the forwarder would have received had the remittance been made in due course by the attorney or firm of attorneys after deduction of costs, expenses, fees, and commissions due to the attorney(s). Recovery under this Insurance Program will be 90% of the net loss after a deductible of $250 per legal case.
6. Suit fees and advanced court costs are covered if it is proven that suit has not been filed. Suit fees and advanced court costs are not covered if it is proven that suit has been filed.
7. General Bar, Inc. and Chubb assume no liability for dispute in fee deductions in connection with suit and/or legal fees.
8. The forwarder, on becoming aware of any act or acts which may be the basis of a claim under the Insurance Program, shall notify the law list immediately. The forwarder must thereafter furnish supporting documentation and a total loss figure to General Bar, Inc. within 90 days.
9. The Policy does not cover expenses incurred in establishing existence and the amount of loss due to theft, dishonesty, or fraud of a listee.
10. If there is a discrepancy on a remittance by a listed attorney, it is incumbent upon the forwarder to submit to General Bar, Inc. for adjustment, the attorney’s check and any other pertinent case information. Under no circumstances should the original check be returned to the attorney for adjustment.
11. No forwarder shall seek insurance coverage with more than one law list on a single item placed with a listee, nor shall the forwarder indicate insurance coverage with more than one list to the listee on a single case. Violation of this rule will nullify coverage under this Insurance Program.

The General Bar, Inc., hopes and expects to continue to offer the protections of its Insurance Program to its forwarders. However, because of changes in coverage instituted from time to time by the Insurance Program underwriters, General Bar, Inc. reserves the right to change, modify, or terminate the Insurance Program at any time, with or without notice.