Coverage Analysis

We specialize in assisting our clients in policy interpretation and coverage analysis for a wide range of personal and commercial lines liability and first party coverages. With our decades of experience and depth of expertise, our attorneys are skilled in analyzing and litigating the most complex questions involving insurance coverage. Our coverage practice includes: Personal Lines, Excess and Surplus Lines, Errors and Omissions, Internet Liability, Life, Health & Disability, Computer & Technology, Fidelity and Surety, Professional Liability, Directors and Officers, Fiduciary Liability, Media, Educational and Religious Institutions, Municipal Liability, Employers Liability and Workers’ Compensation, Manufacturers & Contractors, Environmental Impairment Liability, Hospital Liability, Reinsurance, and Intellectual Property. 

Among the cutting edge issues we have recently addressed are coverage for: Internet liability, fax blasting, consumer fraud, anti-trust and a variety of intellectual property claims and unfair business practices under CGL policies and various media and intellectual property policies; sexual abuse, discrimination and employment-related claims under CGL and Employment Practices Liability Insurance; mold claims under CGL and first party property policies; racial profiling cases under municipal liability policies; UM/UIM claims involving catastrophic injuries and related bad faith suits; professional liability coverage issues involving breast implants and medical devices; toxic tort and environmental claims under CGL and environmental impairment policies; sexual abuse claims under professional liability, law enforcement liability and Educational and Religious Institutions Coverage; and retrospective premium disputes under CGL, business auto, employment liability and workers compensation policies. 

The services we offer to insurance-related businesses include policy drafting, risk analysis, risk management, training and educational seminars on risk exposures, claims management, "good faith" claims handling and policy interpretation. We regularly assist our clients in claims management through troubleshooting on coverage, liability and damages assessments, monitoring losses and litigation, consulting on settlement opportunities and global resolution, acting as national and regional coordinating counsel for claims handling and coverage positions and presenting educational seminars. We offer these services to both local claims offices and home offices. 

We also offer a claims audit program which is designed to maximize an insurance company's profitability, increase its productivity, improve its loss ratio, decrease its expense ratio, and enhance its customer services.