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 and its supporting documents to the insurer, and, if and to the extent the insurer accepts and pays such claim, to cover any deductible, and 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 look to the General Bar, Inc. for payment.

This program indemnifies those who forward cases through General Bar, Inc. to their members against loss due to fraudulent or dishonest acts by 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 law list is limited to claims with respect to which Chubb Insurance Company/Federal Insurance Company accepts liability.

Some specifics of this program are as follows:

1. The insurance program includes coverage against acts of larceny or embezzlement. This is not a malpractice insurance program.
2. The policy covers dishonest acts by listed attorneys. The policy does not cover individual employees of listed firm.
3. It covers properly registered cases for 36 months, from the date of employment. Proper notification must be sent to General Bar, Inc. within 35 days from the date each referral was made to the Publishers member. In addition, the member attorney must be notified on each referral that his/her name was selected from General Bar, Inc..
4. This program covers members and claims in all 50 states and Canada, but does not provide coverage on foreign attorneys including Puerto Rico, Guam, and the Virgin Islands.
5. Neither General Bar, Inc. nor the surety shall be liable for any loss through any attorney or firm of attorneys whose names were not listed in that publication and or the website at the time of employment. It is incumbent upon the forwarder to consult General Bar’s website, www.generalbar.com, for current information.
6. 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.
7. 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.
8. General Bar, Inc. and the surety assume no liability for dispute in fee deductions in connection with suit and/or legal fees unless the amount has been specified in advance and agreed to by the forwarder and the receiving attorney in writing.
9. 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 will then have 90 days within which to furnish back-up documentation and a total loss figure to General Bar, Inc.
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 information to the case. 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 receiver, nor shall the forwarder indicate insurance coverage with more than one list to the receiver on a single case. Violation of this rule will nullify coverage under this Insurance Program.