Quick Answer: Should law firms bundle cyber and E&O insurance?

Yes — bundling saves 15-25% vs buying separately. Most law firms need both cyber liability and professional liability (E&O). Bundled policies from carriers like Hartford, Chubb, and CNA start at $175/mo for solo practitioners.

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Why Bundle Cyber + E&O?

Law firms face two distinct but overlapping risks:

Cyber risk — Data breaches, ransomware, business email compromise
Professional liability risk — Malpractice, missed deadlines, errors in legal work

When a cyber incident hits a law firm, it often triggers both policies. A client data breach is a cyber event, but it's also arguably a failure to protect privileged information — which is a professional liability issue.

The Problem with Separate Policies

With separate cyber and E&O policies from different carriers, you get:

Coverage gaps — Each carrier may argue the other should pay
Finger-pointing — Two claims teams, two adjusters, conflicting guidance
Higher total cost — No multi-policy discount
Inconsistent terms — Different retroactive dates, different definitions of "wrongful act"

The Bundle Advantage

A combined or companion policy from one carrier eliminates these issues:

No coverage gaps — One carrier, one policy, clear responsibility
Single claims team — Coordinated response when cyber meets malpractice
15-25% savings — Multi-policy discount
Aligned terms — Same retroactive date, same definitions, same renewal

Bundle Pricing by Firm Size

Firm Size	Cyber Only	E&O Only	Bundle (Save 15-25%)
Solo / 2-3 attorneys	$95–$200/mo	$100–$250/mo	$175–$350/mo
Small firm (4-10)	$200–$500/mo	$250–$600/mo	$350–$800/mo
Mid-size firm (11-50)	$500–$1,250/mo	$600–$1,500/mo	$800–$2,000/mo

Top Carriers for Bundled Coverage

Hartford

Bundle type: Companion cyber + professional liability policies
Best for: Solo to small firms
Strength: Competitive pricing, fast quoting, strong claims support
Bundle discount: ~20%

Chubb

Bundle type: Integrated cyber + professional liability
Best for: Mid-size to large firms needing higher limits
Strength: Highest available limits, global coverage, premium breach response
Bundle discount: ~15-20%

CNA

Bundle type: LawyerGuard® professional liability with cyber endorsement
Best for: All firm sizes, especially litigation-heavy practices
Strength: Deep legal industry expertise, tailored endorsements
Bundle discount: ~15-25%

Hiscox

Bundle type: Combined professional liability + cyber
Best for: Solo practitioners and startups
Strength: Online quoting, low minimums, monthly payment options
Bundle discount: ~15%

Coalition

Bundle type: Cyber-first with professional liability add-on
Best for: Tech-forward firms prioritizing cyber coverage
Strength: Active cyber monitoring, threat alerts, strong ransomware coverage
Bundle discount: Varies

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What's Covered in a Typical Bundle?

Cyber Coverage Component

Data breach response & notification
Ransomware & cyber extortion
Business interruption from cyber events
Regulatory defense & fines
Media liability

E&O Coverage Component

Legal malpractice defense
Missed deadlines & filing errors
Breach of fiduciary duty
Negligent legal advice
Document loss or destruction

Where They Overlap

The biggest advantage of bundling is seamless coverage when a single incident triggers both:

Example: A hacker compromises your email, sends fraudulent wire instructions to a client, and the client loses $500,000. This is:

A cyber claim (business email compromise, data breach)
A malpractice claim (client argues you failed to secure communications)

With separate carriers, both might deny coverage. With a bundle, one carrier handles it all.

How to Choose: Bundle vs. Separate

Choose a bundle when:

You're buying both policies for the first time
You want simplified claims handling
You want to save 15-25%
Your firm size is under 50 attorneys

Choose separate policies when:

You already have a great E&O policy you want to keep
You need extremely high cyber limits that exceed your E&O carrier's offerings
Your firm has 50+ attorneys with complex, multi-state coverage needs

Related Guides

📋 Law Firm Cyber Insurance: Top Carriers Compared — Full carrier comparison with pricing
🔒 What Cyber Insurance Covers for Law Firms — First-party & third-party explained
💰 How Much Does Cyber Insurance Cost for Law Firms? — Detailed pricing breakdown
⚖️ ABA Cyber Insurance Compliance Guide — Meet Rule 1.6(c) requirements

Next Steps

Get bundled quotes from multiple carriers to see your actual pricing. The savings are real — most firms save $500-$2,000/year by bundling.

Compare bundled quotes from Hartford, Chubb, CNA & more →