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In answer to 08.09, the cover (when it existed in the minimum terms) did not cover adverse costs orders or fines. It merely covered the costs of defending disciplinary proceedings.

Where an insurer (of solicitors) wants to decline indemnity entirely on the basis of dishonesty, it has to show that all partners were involved or condoned the dishonesty: see Zurich v Karim [2016] EWHC 3355 (QB).

Cover against the costs of defending disciplinary is available (though it may well mean taking out a D&O policy), so solicitors should ask their brokers to advise on this and obtain some quotations.