Law Firm's Blog Makes It Uninsurable

from the what-are-these-crazy-things-called-blogs? dept

A New Jersey law firm has been told by its insurance carrier that publishing a blog on the firm’s website makes it uninsurable. Basically, the concern is that anything posted on the blog could be construed as legal advice, and thus open up the firm to a lawsuit should a reader act on this “advice”. Despite the possibility of something like this happening, the refusal to insure the company seems a bit odd. It’s not clear why the carrier, Chubb, couldn’t have just adjusted its model and charged the firm a higher price for the added risk. Also, as one person who sets up blogs for law firms points out, it doesn’t make sense to view a blog as separate from other forms of public communications. Lawyers, for example, frequently give speeches to various groups, and one could imagine that that could be seen as advice as well. Furthermore, law blogs (of which there are many), typically have strong disclaimers, which can help inoculate the author against lawsuits. The only thing that makes sense is that Chubb just had no idea how to think of a blog, and so it decided to just give up on the whole deal. It’s Chubb’s loss, since the law firm should be able to find an insurance carrier that has underwritten policies at one of the many the other law firms that have blogs on their sites.

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Comments on “Law Firm's Blog Makes It Uninsurable”

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Fission says:

Chubb’s decision was smart on their part. It is no that they don’t understand what a blog is, it’s that the COURTS, other lawyers, and the ignorant public either don’t understand it, or don’t care.

I can easily see the law firm being sued over what is stated in the blog. It’s not the law firm or insurance carrier being stupid, it’s just a fault in the system.

TheDock22 says:

Makes sense to me

No disclaimer in the world could keep them from getting sued if a lawyer posted advice on their blog. Disclaimers are pretty useless in court if the company profits from using the blog. And offering advice on a blog where people will visit the law firm generates hits on their website which could lead to a new customer deciding to use the firm.

I kind of side with the insurance company on this one. There are way to many stupid people in this country, I could see dozens of them following the advice on a blog and then suing the law firm when it doesn’t work or they lose money by following that advice. It’s a big risk, so I think the insurance company understands blogs more than you think.

Besides, lawyer blogging? Who would care to read that?

Anonymous Coward says:

I can see where they’d be liable for what was posted on the blog.

If someone can be charged by the bar for “practicing law without a license” even when they never claimed to be and clearly aren’t (helping someone fill in the blanks of a will writing software program) then it should also cover legal advice whether there’s a disclaimer or not.

Sean Murphy (user link) says:


If you substituted “Web Content Management System” for Blog (which is certainly one perspective on what a blog is) it doesn’t make sense that Chubb would allow them to have a website but draw a line at a Blog. Also, you normally have to pay an attorney to establish a relationship, if each post came with a disclaimer how can this be any different than any time an attorney would offer a “free consultation” hour as part of a get acquainted session. This sounds to me more like a publicity stunt on the part of the law firm or a slow news day at

Kevin OKeefe (profile) says:

Chubb did a 'never mind'

Joe, Chubb figured out what blogs were and issued a press release in reponse to my prodding that 98% of lawyer blogs posed no problem as far as coverage for the blogging firm.

It’s only those blogs where lawyers give specific advice by replying to comments on their blog in such a way that an lawyer-client releationship could be construed where Chubb would not cover the firm. Not suprising that no one has been able to find of those blogs.

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