“Clients are the ones paying for the policy, and who will have the benefit of it if they lose their case, so they are the ones who should be listed on the certificate,” Robson says. “It’s really an issue of the protection of the public.”
When policies are issued to law firms on behalf of clients, it means clients are unable to make claims on policies themselves, and they could be denied coverage altogether if they decide to switch lawyers during the litigation process, he adds.