The Allegheny County Bar Association Insurance Program

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·         ACBA Health Insurance Exchange 

·         Lawyers’ Professional Liability Coverage

·         Business Insurance 

·         Medical Insurance 

·         Life, Disability, Business Overhead, Hospital Indemnity AD&D Insurance

·         Auto, Home and Renters Insurance

·         Pet Health Insurance


ACBA Insurance Program - Advised and Administered by USI Affinity

USI Affinity is the exclusive insurance broker for the Allegheny County Bar Association and one of the leading administrators of bar association insurance programs across the country. With over 60 years of experience in liability insurance and more than 35,000 attorneys insured, USI Affinity has the expertise and market leverage to design comprehensive and innovative insurance and benefits packages for law firms, with unique advantages in coverage, price and service.

As a membership benefit, ACBA members have access to the Allegheny County Bar Association Insurance Program, advised and administered by USI Affinity, providing exclusive insurance and benefit solutions not available to the general public.

USI Affinity built its leadership position on personal service; representatives work closely with law firms to understand their practices, from the risks they face to their benefits and administrative needs. USI Affinity then designs a plan tailored to fit each firm’s individual needs. Thanks to its extensive experience and strong relationships with the country’s most respected insurance companies, USI Affinity has the ability to design customized coverage at competitive prices. 

A mobile app is just one of USI Affinity’s valuable offerings. The app is available through a partnership with Maxwell Health, a technology platform for enrolling in, managing and using employee benefits. Keeping employees engaged in their benefits throughout the year is important; the app is one way to do just that.

Lawyers’ Professional Liability Coverage

Michelle Logan - 412-851-5209

Michelle LoganSome of the most popular insurance options among ACBA members are USI Affinity’s exclusive Lawyers’ Professional Liability coverage options. This insurance is designed to protect Pennsylvania attorneys against legal malpractice claims, and other business coverages, healthcare benefits and personal coverages.

For more information on LPL indsurance and to find out what the most important questions to ask are, click here.

For more information on making Lawyers’ Professional Liability coverage work for you, read this article on three ways to keep malpractice costs down.

For more information on how to keep malpractice costs down, click here.



Policy Coverage Highlights:

  • ACBA members receive a five percent credit on their Lawyers' Professional Liability Policy premium, on a per attorney basis.
  • Policy holders receive up to a 7.5% risk control credit per attorney for two years after completing a qualifying CNA risk management seminar.
  • The carrier, CNA, is “A Rated” and the largest underwriter of Lawyers’ Professional Liability Insurance in the United States, covering more than 44,000 law firms nationwide. With more than 50 years of experience, CNA delivers world-class underwriting, dedicated claims and state-of-the-art risk management tools and resources.
  • Comprehensive coverage and policy features are tailored to meet the unique requirements of law firms in Pennsylvania. Features include continuous coverage, full prior acts available and policy holder’s written consent required before CNA can settle a claim. USI Affinity and CNA can design coverage to protect all size law practices, from solo attorneys to large firms.
  • Limits of Liability range from $300,000 up to a maximum of $10 million.
  • Policies include full consent to settle and continuity of coverage provisions.
  • Extensive risk management programs and materials are available free of charge.
  • A 24/7 claim prevention hotline is staffed by experts in Lawyers' Professional Liability.
  • Unlimited tail for qualified retiring or non-practicing lawyers is available at no additional charge.


Business Insurance

Michelle Logan – 412-851-5209

Workers Compensation Dividend Program
USI Affinity has partnered with The Hartford to offer ACBA members the "Workers' Compensation Coverage and Dividend Program." This group dividend plan, available exclusively to bar association members who purchase their workers’ compensation insurance through USI Affinity, provides comprehensive coverage and a potential dividend based on the performance of the program.

Business Insurance Package
The Hartford’s small business insurance package, Spectrum®, offers top-tier core business coverage, including optional packages like “Super Stretch for Law Offices,” which bundles numerous important coverages – including computers and media, accounts receivable, and valuable papers and records – at a savings compared to what buying them individually would cost. For further protection, USI Affinity also has access to multiple carriers that offer the following tailored programs for law firms:

Employment Practices Liability Insurance (EPLI) – EPLI helps protect firms, their executives and employees from employment-related wrongdoing and mitigated EPL exposures through state-of-the-art loss prevention services.

Directors & Officers (Management Liability) – This program helps protect firms and their directors and officers against exposures associated with the management actions and the decisions of executives.

Crime – Also referred to as a “fidelity bond,” this program helps protect firms from the costs associated with employee theft and third-party crime.  Most carriers can include ERISA bond requirements as well.

Cyber Liability  Cyber Liability includes five optional, first-party coverages, most notably privacy notification and crisis management expense. A firm that relies on the Internet, wireless connections, mobile devices, laptop computers and other technology is increasingly vulnerable to potentially costly cyber exposures.  This plan helps to protect firms from the cost associated with cyber risks. For more information on cyber security and what the risks to law firms are, click here. For information on internet reviews and defamation claims, click here. For information on other types of internet scams targeting attorneys, click here.

Fiduciary Liability – This program helps protect firms, their benefit plans and their fiduciaries against exposures resulting from breach of fiduciary duty and allegations of errors and omissions in the administration of benefit plans.

Kidnap & Ransom – These options help to protect against a wide range of expenses associated with kidnapping and extortion incidents, including the cost of optional crisis management services, where permitted.


Medical Insurance

ACBA Health Exchange

Bob Cagna – 412-851-5202

Bob Cagna

Protect yourself with our Health Insurance programs
With our size, resources and expertise, USI Affinity gives our association partners and their members the Access, Advice and Advocacy they need to save money, prepare for Health Care Reform and get the most out of their benefits.

  • Access to unique products and services;
  • Advice on benefits design, compliance and funding options
  • Advocacy to help resolve issues, from administration and claims to complex clinical questions



ACBA members have access to the ACBA Insurance Exchange, a convenient and secure online portal where members can find competitively priced insurance coverage for all their needs, including medical and dental plans. USI Affinity delivers world class benefit solutions for all firms, regardless of size. For more information, call 1-800-327-1550 or go visit

Medical Plan Highlights:

  •  Multiple Plan Options – USI Affinity offers ACBA members a wide array of medical benefit plans. Members have access to comprehensive medical plans including PPO, HMO and Qualified High Deductible Plans with Health Savings Accounts and Health Reimbursement Accounts. This flexibility lets USI Affinity help members choose the right insurance carrier and design a benefits package that works for members, their families and employees.

  •  Met Life Dental Plans – This exclusive USI Affinity Dental program offers three plan options to meet the individual dental needs of law firms and their employees. Plan designs range from the most comprehensive coverage – with high reimbursement amounts for major services, Orthodontia and an annual maximum of $1,000 – to a basic plan that will cover preventive services for minimal out-of-pocket expenses. USI Affinity  also offers a Dental HMO plan called ConcordiaPlus through United Concordia Companies, Inc.

  • Davis Vision – Members can choose from four affordable plans that provide the highest-quality vision care for the lowest out-of-pocket expense. Our Designer option allows for one vision exam per year and a generous allowance toward frames and lenses.

  • Health Care Reform Assistance – USI Affinity’s knowledgeable benefit specialists have the tools to assist members through a thorough policy review and discuss all possible impacts involved with complying with the regulations of the Affordable Care Act.


Life, Disability, Business Overhead Expense, Hospital Indemnity and Accidental Death & Dismemberment Insurance

Bob Cagna – 412-851-5202


ACBA members can help protect their families with USI Affinity’s Group Term Life, Disability, Business Overhead Expense, Hospital Indemnity and Accidental Death group insurance plan options. The ACBA endorses these plans because they provide a significant amount of protection, and members can request coverage at very attractive rates.


Group Term Life Insurance – The ACBA sponsors two group life insurance plans for members, their spouses and even employees: The standard renewable Term Life plan, and the 10-year level Term Life plan. Members can choose the amount of coverage that is right for them, up to $1 million.

Long-Term Disability Income Insurance – A disability could cost an attorney a significant loss of income. Disabilities are more common than people think - from injuries such as broken legs to more serious conditions such as heart disease and cancer. This affordable plan includes “own occupation” protection and pays full benefits even if the policy holder can perform a job other than his or her own. This plan protects members from income loss due to a covered total disability.

Business Overhead Expense Insurance – This important insurance protection can help keep law firms up-and-running while a policy holder is unable to work due to a disability. This insurance pays actual overhead expenses.

Hospital Indemnity Insurance – This insurance program can help members pay out-of-pocket expenses in the event that policy holders should ever require hospital care. Many hospital stays generate costs that may not be covered by health insurance, alone.

Group Accidental Death & Dismemberment – The unexpected shock of an accident can be devastating. Under the standard renewable Group Term Life plan, a member can select an equal amount of AD&D coverage. In the event of a member’s death resulting from a covered accident, the principal sum will be paid to the beneficiary. Moreover, should a member suffer a specified loss of limbs or sight due to a covered accident, a percentage of the principal sum will be payable.

These insurance programs are underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 on Policy Form GMR.  For more information on this plan, including features, costs, eligibility, renewability, limitations and exclusions, call 800-327-1550.

New York Life is licensed/authorized to transact business in all of the 50 United States, the District of Columbia, Puerto Rico and Canada.

New York Life's state of domicile is New York, and NAIC ID# is 66915



Auto, Home and Renters Insurance

Bob Cagna – 412-851-5202

There are a number of ways in which ACBA membership can help attorneys protect financial assets. As a result of our partnerships, ACBA members can get discounts on Auto, Home and Renters Insurance through Liberty Mutual.  Please contact Liberty Mutual at 412-859-6605 and mention client no. 6602 or visit



Pet Health Insurance

Sandy Niespodzianski – 412-851-5200

Thanks to our partners at USI Affinity, through the ACBA, members are now eligible for a 10-percent discount on Hartville Pet Health Insurance plans for cats and dogs. Pet insurance helps cover the cost of veterinary bills to allow greater freedom in treatment options and preventative care for pets.

The types of care which can be covered by pet health insurance include:
  • Accidents – Pet health insurance can cover injuries and emergencies related to accidents, like broken bones, swallowed objects, and bite wounds.
  • Illnesses – Pets can be covered for illnesses from ear infections and stomach issues to cancer.
  • Advanced care - Coverage for hereditary and congenital conditions, alternative therapies, and behavioral issues is available.
  • Preventative care - Coverage for services that help prevent health issues, like vaccines and dental cleanings.
To receive a quote, click here.



The ACBA Insurance Program is administered by:


USI Affinity
2000 Oxford Drive, Suite 520 I Bethel Park, PA 15102
Tel: 412-851-5201 I Mobile: 412-303-9339 I Fax: 610-537-4906



USI Affinity is licensed to transact business in all of the 50 United States and the District of Columbia.

USI Affinity's state of domicile is Pennsylvania. AR Insurance License #325944, CA Insurance License #0G11911

Allegheny County Bar Foundation Lawyer Referral Service