Insurance Coverage

Whether you require a formal or expedited insurance coverage opinion or need to pursue a declaratory judgment action to determine the scope of coverage under an insurance policy, our team has the skill and experience to deliver results.

Our insurance coverage attorneys are highly knowledgeable in the application and interpretation of all types of insurance products. With years of experience evaluating, interpreting, and enforcing policy language, we provide tailored solutions for a wide range of needs—whether it’s a large-scale response or a focused analysis of a single claim.

In high-stakes cases where outcomes are critical, we bring a fresh perspective to coverage analysis and litigation strategy. Collaborating seamlessly with existing coverage counsel, we work toward achieving optimal results that align with your objectives.

Commercial auto accidents often lead to intricate coverage disputes, particularly when determining which insurance policies are responsible for defense and indemnification—and in what order of priority. These disputes can involve separate insurance policies for the tractor, trailer, and cargo, as well as MSC-90 endorsements for public liability. Additional layers of complexity arise from Non-Trucking Liability and Excess policies that influence the responsibilities of various insurers.

We assist insurers and self-insured motor carriers in addressing these challenges by preparing detailed coverage opinions and offering practical, efficient solutions. Our services include negotiation, alternative dispute resolution, and, when necessary, litigation to achieve favorable outcomes in even the most complex cases.

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

Our team assists insurers in understanding and evaluating their rights and obligations under these circumstances. We collaborate with counsel for other insurers to determine the primary carrier, whether through negotiation or, if necessary, a court order.

In cases involving multiple layers of insurance, we help facilitate fee-split arrangements and negotiated settlements to minimize litigation and ensure insurers fulfill their obligations promptly. When litigation cannot be avoided, we focus on streamlining the legal issues to enable courts to resolve disputes efficiently, delivering timely and effective outcomes.

The variety and prevalence of cyber-liability insurance products have grown significantly over the past decade. Understanding what these policies cover—and what they do not—requires in-depth knowledge of their evolution and how they are interpreted and enforced under specific state laws.

Our team of experts specializes in navigating this rapidly expanding area of insurance coverage. We provide clear guidance on the scope of coverage and the duties of insurers under cyber-liability policies, helping clients stay ahead in this dynamic and increasingly critical field.

Errors & Omissions (E&O) insurance policies cover a distinctly different scope of work compared to Commercial General Liability (CGL) policies, yet the two are often mistakenly conflated. Understanding how these policies intersect and diverge is essential for addressing coverage challenges effectively.

Our experienced coverage attorneys specialize in analyzing how E&O and CGL policies interact, enabling insurers to respond confidently to coverage issues stemming from commercial activities. We provide clear, practical guidance to help insurers navigate these complexities and ensure compliance with their policy obligations.

Inland Marine insurance is designed to protect against cargo damage under defined conditions. However, these policies often intersect with Commercial Auto coverage and MCS-90 endorsements when the damage arises from commercial vehicle accidents. This overlap can create complex questions about how each policy applies.

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 involve unique rules for calculating damages after a loss. Our team can assist insurers in collaborating with experts and appraisers to efficiently resolve claims.

When origin and cause issues arise, we partner with top industry experts to investigate suspicious circumstances, such as arson or fraud, that may impact coverage determinations. By thoroughly evaluating these factors, we help insurers assess whether coverage applies and ensure claims are handled with precision and integrity.