Coverage requirements

Litigation Graphics & Trial Exhibit Firms

Professional & Business Services68% completeness
Run gap analysis

Last updated August 2026 · Maintained and reviewed by the Advocate Insurance Consultants coverage research team.

Overview

What an adequately protected Litigation Graphics & Trial Exhibit Firms program looks like

Demonstrative evidence firms produce charts, graphs, drawings, computer animation, and three dimensional exhibits used to illustrate legal cases. They frequently hold client materials and finished exhibits in their care while preparing them for trial. Responsibility for property in their custody makes inland marine a leading exposure. For litigation graphics & trial exhibit firms, this Advocate Standard profile pinpoints the coverages that matter most, including Auto Liability, General Liability, Professional Liability, Worker's Compensation, Fidelity Bond, and sets limit, deductible, and carrier-quality standards to protect the balance sheet.

Key takeaways

  • Spans 144 published requirements across 42 coverage type-peril pairs.
  • Applies to 2 asset types: Commercial Office Building, Professional Services Firm.
  • Covers 15 coverage types and 15 distinct perils.

At a glance

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Completion score

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10 of 42 WIM pairs required

Coverage tower

Required limits by coverage type and peril

Property8 coverage types

Fidelity Bond

Overall limit$100K

Business Income

Flood≥ Business Income Amount for Buildings in an SFHA
TRIA - Property≥ Business Income Amount
Earthquake≥ Business Income Amount
Named Storm≥ Business Income Amount
Water / Sewer Backup≥ Business Income Amount
Wildfire≥ Business Income Amount
Wind Hail≥ Business Income Amount
Overall limit≥ Business Income Amount

Physical

Flood≥ RCV / Insurable Value of First 2 Floors Above Grade + any Floors Below Grade of Buildings Located in an SFHA
TRIA - Property≥ RCV of Existing Structure / Insurable Value
Earthquake≥ RCV of Existing Structure / Insurable Value
Named Storm≥ RCV of Existing Structure / Insurable Value
Water / Sewer Backup≥ RCV of Existing Structure / Insurable Value
Wildfire≥ RCV of Existing Structure / Insurable Value
Wind Hail≥ RCV of Existing Structure / Insurable Value
Overall limit≥ RCV of Existing Structure / Insurable Value

Builder's Risk

Overall limit≥ RCV of Existing Structure / Insurable Value

Business Personal Property

Overall limit≥ RCV of Existing Structure / Insurable Value

Inland Marine

Fire≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value
Theft≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value
Water Damage≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value
Overall limit≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value

Limited Fungus

Overall limit$15K

Ordinance or Law

Earthquake≥ RCV of Existing Structure / Insurable Value
Flood≥ RCV of Existing Structure / Insurable Value
Named Storm≥ RCV of Existing Structure / Insurable Value
Wind Hail≥ RCV of Existing Structure / Insurable Value
Overall limit≥ RCV of Existing Structure / Insurable Value
Liability7 coverage types

Professional Liability

Overall limit$3M
Professional Errors & Omissions$3M

Auto Liability

Hired & Non-Owned Auto$5M
Owned Auto$5M
Overall limit$5M

Disability Liability

Overall limit$2M

Employer's Liability

Overall limit$2M

Worker's Compensation

Overall limit$500K

General Liability

Overall limit$2M
Assault & Battery$5M

Terrorism Liability

TRIA - Liability$2M
Overall limit$2M

Requirements

Full requirement set for Litigation Graphics & Trial Exhibit Firms

Every requirement in the Advocate standard, 144 rows across limits, deductibles, carrier rating, and presence checks. Search and filter to drill in.

Group
Type
Peril

Showing 50 of 144 matching · 144 total

RequirementPerilRequirement typeApplicabilityRequirement
PropertyBuilder's RiskAcceptable Blanket Builder's Risk DeductibleOverallDeductibleBlanketBlanket Builder's Risk deductible must not exceed $50,000.
PropertyBusiness IncomeAcceptable Blanket Business Income DeductibleOverallDeductibleBlanketBlanket Business Income deductible must not exceed $50,000.
PropertyBusiness IncomeAcceptable Blanket Business Income Earthquake DeductibleEarthquakeDeductibleBlanketBlanket Business Income Earthquake deductible must not exceed 10% of the insured value.
PropertyBusiness IncomeAcceptable Blanket Business Income Named Storm DeductibleNamed StormDeductibleBlanketBlanket Business Income Named Storm deductible must not exceed 5% of the insured value.
PropertyBusiness IncomeAcceptable Blanket Business Income Wind Hail DeductibleWind HailDeductibleBlanketBlanket Business Income Wind Hail deductible must not exceed 5% of the insured value.
PropertyBusiness Personal PropertyAcceptable Blanket Business Personal Property DeductibleOverallDeductibleBlanketBlanket Business Personal Property deductible must not exceed $50,000.
PropertyInland MarineAcceptable Blanket Inland Marine DeductibleOverallDeductibleBlanketBlanket Inland Marine deductible must not exceed $50,000.
PropertyLimited FungusAcceptable Blanket Limited Fungus DeductibleOverallDeductibleBlanketBlanket Limited Fungus deductible must not exceed $50,000.
PropertyOrdinance or LawAcceptable Blanket Ordinance or Law DeductibleOverallDeductibleBlanketOrdinance or Law deductible must not exceed $50,000.
PropertyPhysicalAcceptable Blanket Physical DeductibleOverallDeductibleBlanketBlanket Physical deductible must not exceed $50,000.
PropertyPhysicalAcceptable Blanket Physical Earthquake DeductibleEarthquakeDeductibleBlanketBlanket Physical Earthquake deductible must not exceed 10% of the insured value.
PropertyPhysicalAcceptable Blanket Physical Named Storm DeductibleNamed StormDeductibleBlanketBlanket Physical Named Storm deductible must not exceed 5% of the insured value.
PropertyPhysicalAcceptable Blanket Physical Wind Hail DeductibleWind HailDeductibleBlanketBlanket Physical Wind Hail deductible must not exceed 5% of the insured value.
PropertyBuilder's RiskAcceptable Scheduled Builder's Risk DeductibleOverallDeductibleScheduledScheduled Builder's Risk deductible must not exceed $50,000.
PropertyBusiness IncomeAcceptable Scheduled Business Income DeductibleOverallDeductibleScheduledScheduled Business Income deductible must not exceed $50,000.
PropertyBusiness IncomeAcceptable Scheduled Business Income Earthquake DeductibleEarthquakeDeductibleScheduledScheduled Business Income Earthquake deductible must not exceed 10% of the insured value.
PropertyBusiness IncomeAcceptable Scheduled Business Income Named Storm DeductibleNamed StormDeductibleScheduledScheduled Business Income Named Storm deductible must not exceed 5% of the insured value.
PropertyBusiness IncomeAcceptable Scheduled Business Income Wind Hail DeductibleWind HailDeductibleScheduledScheduled Business Income Wind Hail deductible must not exceed 5% of the insured value.
PropertyBusiness Personal PropertyAcceptable Scheduled Business Personal Property DeductibleOverallDeductibleScheduledScheduled Business Personal Property deductible must not exceed $50,000.
PropertyInland MarineAcceptable Scheduled Inland Marine DeductibleOverallDeductibleScheduledScheduled Inland Marine deductible must not exceed $50,000.
PropertyLimited FungusAcceptable Scheduled Limited Fungus DeductibleOverallDeductibleScheduledScheduled Limited Fungus deductible must not exceed $50,000.
PropertyOrdinance or LawAcceptable Scheduled Ordinance or Law DeductibleOverallDeductibleScheduledOrdinance or Law deductible must not exceed $50,000.
PropertyPhysicalAcceptable Scheduled Physical DeductibleOverallDeductibleScheduledScheduled Physical deductible must not exceed $50,000.
PropertyPhysicalAcceptable Scheduled Physical Earthquake DeductibleEarthquakeDeductibleScheduledScheduled Physical Earthquake deductible must not exceed 10% of the insured value.
PropertyPhysicalAcceptable Scheduled Physical Named Storm DeductibleNamed StormDeductibleScheduledScheduled Physical Named Storm deductible must not exceed 5% of the insured value.
PropertyPhysicalAcceptable Scheduled Physical Wind Hail DeductibleWind HailDeductibleScheduledScheduled Physical Wind Hail deductible must not exceed 5% of the insured value.
GeneralAllDo Not Allow Premium FinancingOverallOtherAllPremium-financed insurance is not accepted.
GeneralAllDo Not Allow Premium FinancingOverallOtherAllPremium-financed insurance is not accepted.
GeneralAllInsurance Carrier RatingOverallCarrier RatingAllCarrier must have an AM Best Rating that meets the required Letter and Financial Size ratings.
GeneralAllInsurance Carrier RatingOverallCarrier RatingAllCarrier must have AM Best rating >= A- and size >= VII.
LiabilityProfessional LiabilityProfessional Liability Scaled to Annual RevenueOverallLimitAllProfessional Liability limit must scale with the firm's size: at least $3,000,000 when annual gross revenue exceeds $10,000,000, and at least $1,000,000 when annual gross revenue is $10,000,000 or less.
LiabilityWorker's CompensationStatutory Workers Compensation ConfirmedOverallOtherAllWorkers Compensation must be at statutory limits with Employers Liability.
LiabilityAuto LiabilitySufficient Auto Liability - Hired & Non-Owned Auto Excess/Umbrella LimitHired & Non-Owned AutoLimitAllHired & Non-Owned Auto excess/umbrella sublimit must be at least $5,000,000.
LiabilityAuto LiabilitySufficient Auto Liability - Hired & Non-Owned Auto LimitHired & Non-Owned AutoLimitAllHired & Non-Owned Auto sublimit must be at least $1,000,000.
LiabilityAuto LiabilitySufficient Auto Liability - Owned Auto Excess/Umbrella LimitOwned AutoLimitAllOwned Auto excess/umbrella sublimit must be at least $5,000,000.
LiabilityAuto LiabilitySufficient Auto Liability - Owned Auto LimitOwned AutoLimitAllOwned Auto sublimit must be at least $1,000,000.
LiabilityAuto LiabilitySufficient Auto Liability Excess/Umbrella LimitOverallLimitAllAuto Liability must carry an excess/umbrella limit of at least $5,000,000.
LiabilityAuto LiabilitySufficient Auto Liability LimitOverallLimitAllAuto Liability must carry a combined single limit of at least $1,000,000.
PropertyBuilder's RiskSufficient Blanket Builder's Risk LimitOverallLimitBlanketBlanket Builder's Risk limit must be at least the RCV / insurable value.
PropertyBusiness IncomeSufficient Blanket Business Income - Certified Acts of Terrorism LimitTRIA - PropertyLimitBlanketBlanket Business Income (Certified Acts of Terrorism) limit must be at least the 12-month business income value.
PropertyBusiness IncomeSufficient Blanket Business Income - Earthquake LimitEarthquakeLimitBlanketBlanket Business Income (Earthquake) limit must be at least the 12-month business income value.
PropertyBusiness IncomeSufficient Blanket Business Income - Named Storm LimitNamed StormLimitBlanketBlanket Business Income (Named Storm) limit must be at least the 12-month business income value.
PropertyBusiness IncomeSufficient Blanket Business Income - Water / Sewer Backup LimitWater / Sewer BackupLimitBlanketBlanket Business Income (Water / Sewer Backup) limit must be at least the 12-month business income value.
PropertyBusiness IncomeSufficient Blanket Business Income - Wildfire LimitWildfireLimitBlanketBlanket Business Income (Wildfire) limit must be at least the 12-month business income value.
PropertyBusiness IncomeSufficient Blanket Business Income - Wind Hail LimitWind HailLimitBlanketBlanket Business Income (Wind Hail) limit must be at least the 12-month business income value.
PropertyBusiness IncomeSufficient Blanket Business Income LimitOverallLimitBlanketBlanket Business Income limit must be at least the 12-month business income value.
PropertyBusiness Personal PropertySufficient Blanket Business Personal Property LimitOverallLimitBlanketBlanket Business Personal Property limit must be at least the RCV / insurable value.
PropertyInland MarineSufficient Blanket Inland Marine - Fire LimitFireLimitBlanketBlanket Inland Marine (Fire) limit must be at least the value in care, custody & control.
PropertyInland MarineSufficient Blanket Inland Marine - Theft LimitTheftLimitBlanketBlanket Inland Marine (Theft) limit must be at least the value in care, custody & control.
PropertyInland MarineSufficient Blanket Inland Marine - Water Damage LimitWater DamageLimitBlanketBlanket Inland Marine (Water Damage) limit must be at least the value in care, custody & control.

94 more requirements

Compliance

Who requires Litigation Graphics & Trial Exhibit Firms

  • Litigation graphics and trial exhibit firm insurance is required by the law firms and corporate legal departments that hand over case materials and evidence, embedding professional liability, general liability, and care-custody-and-control minimums in engagement agreements.
  • Legal-department risk managers verify coverage before releasing sensitive exhibits and privileged materials.
  • Where firms hold original evidence, chain-of-custody obligations flow through the client contract.
  • Facility landlords and lenders require property coverage for studios and equipment.
  • Brokers placing programs for litigation-support vendors confirm inland marine limits for property in the firm's custody, making litigation graphics and trial exhibit insurance a condition of taking on high-stakes case work.

Carrier standard. Carrier must have an AM Best Rating that meets the required Letter and Financial Size ratings.

Advocate runs these checks automatically for the brokers who place professional & business services coverage.

Exclusions

What Litigation Graphics & Trial Exhibit Firms does not cover

  • The present program for demonstrative evidence firms carries Auto Liability, General Liability, Professional Liability, Inland Marine, Worker's Compensation, and a Fidelity Bond.
  • It omits standalone Cyber Liability, leaving breaches of confidential case data and privileged materials unfunded, and it excludes Directors and Officers and Employment Practices Liability.
  • The Professional Liability form is claims-made, so it carves out services rendered prior to the retroactive date, claims first reported after expiration when no tail is purchased, and previously known matters.
  • Loss of irreplaceable original evidence may exceed inland marine sublimits, and intellectual property or defamation exposures arising from exhibit content, plus contractual liability assumed beyond the firm's own negligence, generally fall outside coverage.

Risk advisory

Typical coverage gaps in Professional & Business Services

Demonstrative evidence firms carry inland marine as a leading exposure because they hold client materials and finished exhibits in their care while preparing them for trial.

  • Confirm inland marine and bailee limits reflect the value of items in custody, including irreplaceable original evidence, and check sublimits and valuation terms.
  • Because firms hold confidential and privileged case data, a dedicated Cyber Liability policy closes the breach and ransomware gap the present program leaves open.
  • Align the professional liability retroactive date with the firm's history and buy tail coverage before switching carriers, since a disputed exhibit can generate a claim after a case closes.
  • Verify property and equipment coverage for studios and production gear, confirm care-custody-and-control terms match client contracts, and evaluate Employment Practices and Directors and Officers Liability as the firm grows.

FAQ

Frequently asked questions

What insurance do litigation graphics firms need?

Litigation graphics and trial exhibit firms need inland marine, professional liability, general liability, and cyber liability, plus workers' compensation. Inland marine and bailee coverage protect client materials and exhibits in the firm's custody, professional liability funds disputes over the work, and cyber protects confidential case data and privileged materials.

Why do trial exhibit firms need inland marine coverage?

Trial exhibit firms need inland marine coverage because they frequently hold client materials, evidence, and finished exhibits in their care while preparing them for trial. Property in the firm's custody is a bailee exposure that standard property policies limit, so inland marine funds loss or damage to items that may be valuable or irreplaceable.

Do litigation graphics firms need cyber insurance?

Yes. Litigation graphics firms hold confidential case data, privileged documents, and sensitive client materials that make them targets for breaches. Professional and general liability policies exclude most cyber losses, so a dedicated cyber liability policy is needed to fund breach response, notification, and extortion costs after an incident.

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About this coverage standard

This profile is maintained by the Advocate Insurance Consultants coverage research team, which maintains the Coverage Library benchmarks against the World Insurance Model taxonomy and reviews each standard against live market placements. It is general guidance, not legal or coverage advice. Verify requirements against the actual policy and contract.

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