Our History

In 1987, our founders envisioned a company owned totally by Kentucky lawyers, dedicated to service, and committed to providing Kentucky lawyers with a stable malpractice insurance environment. We've worked hard to develop a strong financial base and have remained true to our motto: By Kentucky Lawyers; For Kentucky Lawyers. Here's how we started:

• A need was recognized in the mid-'80s when malpractice insurance premiums skyrocketed. Many commercial insurers stopped offering coverage in Kentucky.
• In 1986 the Kentucky Bar Association's Legal Malpractice Insurance Committee formed a sub-committee to study the feasibility of forming a domestic mutual insurance company to provide malpractice coverage to Kentucky attorneys. Lawyers Mutual, incorporated on September 3, 1986, evolved from that study.
• To obtain the necessary start-up capital, the company offered subscriptions for surplus certificates to attorneys licensed to practice in Kentucky. Completed in August 1987, the initial subscription period resulted in a little more than $3,000,000 of capital. Lawyers Mutual opened its doors for business on November 1, 1987.

Lawyers Mutual was established, with the help of the Kentucky Bar Association, to:

• Assure availability of professional liability insurance
• Meet Kentucky lawyers' responsibility to the public
• Foster competition in the insurance marketplace

Since our inception, Lawyers Mutual has been approved by the Kentucky Bar Association (KBA) as the bar-related provider of professional liability insurance in Kentucky. We are also approved by the Kentucky Justice Association (KJA), Louisville Bar Association (LBA), Northern Kentucky Bar Association (NKBA) and the Young Lawyers Section (YLS) of the Kentucky Bar Association (KBA).