Commercial Insurance

Insurance Coverage

Our insurance coverage attorneys bring decades of experience and deep expertise to interpreting, analyzing, and litigating insurance policy disputes. From delivering formal or expedited legal opinions to filing declaratory judgment lawsuits, we provide tailored solutions to meet your needs.

Our team has successfully handled complex, high-stakes matters. Whether you require a large-scale strategic response or a detailed analysis of a single claim, we are equipped to provide clear, actionable guidance.

We also offer a fresh perspective for coverage analysis and litigation strategy, working alongside existing counsel to ensure the best possible outcomes in significant cases where the stakes are highest. Whatever your insurance coverage challenge, we have the skill and experience to help you achieve optimal results.

Commercial auto accidents often involve intricate insurance coverage disputes, particularly when determining which policies are responsible for defense and indemnification and the order of priority. These cases can be complicated by factors such as separate insurance for the tractor, trailer, and cargo, as well as MSC-90 endorsements for public liability. Additionally, Non-Trucking Liability and Excess policies can further impact insurer responsibilities.

Our team assists insurers and self-insured motor carriers in navigating these complexities by providing thorough coverage opinions and practical solutions. We work to resolve disputes through negotiation, alternative dispute resolution, or litigation when necessary, ensuring effective and efficient outcomes in even the most challenging cases.

Commercial General Liability (CGL) insurance policies provide broad defense and indemnification for insureds, but disputes can arise when multiple policies are involved, such as in cases involving general contractors and subcontractors. These situations often lead to insurers tendering obligations to one another, creating confusion over which carrier is responsible for coverage.

We assist insurers in understanding and evaluating their rights and responsibilities, working closely with counsel for other insurers to determine primary responsibility through negotiation or, if necessary, court intervention. For cases involving multiple layers of insurance coverage, we facilitate fee-split arrangements and negotiated settlements to reduce the need for litigation, enabling insurers to fulfill their obligations to insureds efficiently.

When litigation is unavoidable, we focus on streamlining the issues to allow courts to reach decisions promptly, minimizing delays and ensuring effective resolutions.

Over the past decade, the landscape of cyber-liability insurance has evolved significantly, with a growing variety of products designed to address cyber risks. Determining what is and isn’t covered under these policies requires in-depth knowledge of their development, scope, and enforcement under specific state laws.

Our team specializes in helping insurers navigate this rapidly expanding area of coverage. We provide guidance on the scope of coverage, policy duties, and insurer obligations, ensuring you are well-equipped to manage the complexities of cyber-liability insurance with confidence.

Errors & Omissions (E&O) insurance policies provide coverage for professional services and liabilities distinct from those covered by Commercial General Liability (CGL) policies, yet they are often mistakenly conflated. Our attorneys specialize in understanding the nuances of insurance coverage and how these policies interact.

We help insurers navigate coverage challenges arising from commercial activities by providing clear, informed advice on the obligations and limitations of E&O and CGL policies. With our expertise, insurers can confidently address complex coverage issues and ensure proper responses to claims.

Inland Marine insurance policies provide specialized coverage for cargo damage under specific circumstances, often overlapping with Commercial Auto policies and MCS-90 endorsements in the event of commercial auto accidents. Understanding the interplay between these coverages is essential to determining liability and coverage obligations.

Our experienced insurance coverage attorneys are well-versed in the complexities of Inland Marine policies and their relationship to other coverages. We help insurers navigate these nuanced issues, ensuring a clear understanding of when and how each policy applies to protect their interests effectively.

With extensive experience in these nuanced areas, our insurance coverage attorneys provide clear guidance on the application of Inland Marine policies. We help insurers untangle overlapping coverages, ensuring accurate determinations and efficient resolution of claims.

Property damage insurance claims require a detailed understanding of the rules for calculating damages after a loss. Our team collaborates with experts and appraisers to expedite the claim resolution process.

When issues of origin and cause arise, such as suspicions of arson or fraud, we engage top industry experts to thoroughly evaluate the circumstances. This ensures a clear determination of whether coverage applies and helps resolve claims efficiently while protecting insurers from unwarranted liabilities.

Insurance Defense

Commercial insurance defense demands a skilled and dedicated team familiar with the issues, experts, and strategies needed to minimize liability and damages. Our attorneys bring years of experience defending a wide range of industries, including construction general and subcontractors, trucking companies, nursing homes, non-profits, banks, retailers, landscaping companies, and snowplow operators.

Whether your insured is a large corporation or a small family-owned business, our team delivers attentive, reliable, and effective results. With a deep bench of experienced attorneys, we are equipped to handle your defense needs with the precision and focus they deserve.

We represent general contractors and subcontractors in construction accident cases, providing comprehensive defense strategies tailored to their unique needs. Our team collaborates with and can recommend MIOSHA defense counsel to address compliance issues and mitigate findings that could negatively impact liability defense.

Additionally, we have extensive knowledge of workers’ compensation law, which often serves as a defense against many types of workplace injury liability claims. This dual expertise allows us to effectively protect our clients’ interests in complex construction-related matters.

We represent apartment complexes, banks, snowplow companies, and retail and web-only stores in a wide range of general liability claims. Our expertise spans premises liability, product liability, and other related areas, providing tailored defense strategies to protect our clients’ interests effectively. Whether addressing routine claims or complex disputes, our team is committed to delivering reliable and results-driven representation.

Nursing home liability cases may involve general liability claims, medical malpractice allegations, or both. Our attorneys are highly experienced in navigating these complex cases, providing skilled defense against both frivolous lawsuits and substantive claims. We work diligently to protect nursing homes, ensuring a thorough and effective legal strategy tailored to each unique situation.

Non-profit entities, such as religious organizations and rehabilitation service providers, face distinct challenges, including navigating media scrutiny and managing complex interpersonal dynamics between insureds and claimants. Our team understands these unique pressures and is committed to resolving litigation swiftly and effectively. We focus on minimizing prolonged exposure to protect your insured’s reputation and resources while delivering strong legal outcomes.

Whether you are a large self-insured motor carrier or an insurer of a fleet, we have the expertise to defend trucking companies after commercial auto accidents. Our rapid-response team specializes in accident reconstruction and vehicle inspection, utilizing state-of-the-art drone and 3D imaging technology to gather and analyze critical evidence.

With decades of experience, our attorneys handle accident liability and damage evaluations for multi-vehicle highway pileups and collisions involving bad weather, boulevard turns, lane changes, bicycles, and pedestrians. We also provide training for commercial insureds on best practices following an accident to reduce errors that can increase claim values. Additionally, we collaborate with state and local law enforcement agencies to ensure quick vehicle releases, helping your business move forward efficiently.

Property damage insurance claims involve specific rules for calculating damages after a loss, and our team can guide you through the process by working with experts and appraisers to close claims efficiently. When questions of origin and cause arise, such as potential arson or fraud, we collaborate with leading experts to thoroughly evaluate the circumstances and determine whether coverage is applicable. This approach ensures accurate assessments and protects insurers from unwarranted liabilities.