INSURANCE COVERAGE

Our firm provides advice to insurance companies on coverage issues for claims arising out of a variety of insurance policies, including commercial general liability, automobile, personal and commercial lines property, commercial automobile/trucking, professional liability, as well as regarding coverage issues and decisions arising out of excess, surplus lines, and reinsurance policies. The scope of our advice includes opinions on issues such as the duty to defend, reservation of rights, primary vs. excess exposure issues, applicability of policy exclusions, endorsements and warranties, interpretation of policy terms, and duties of the insured under the policy. Our representation of insurance companies includes prosecuting and defending declaratory judgment actions in state and federal court based on coverage issues, breach of contract, and bad faith. Utilizing the experience we gather with respect to drafting coverage opinions and providing counsel in breach of contract and bad faith claims, we have been solicited by insurance companies and brokers to provide advice in drafting insurance policy wording.