Business And Commercial Insurance

We represent clients regarding claims under many types of commercial insurance policies, including:

  • Commercial general liability (CGL) insurance
  • Commercial property insurance
  • Business interruption insurance
  • Professional liability insurance (PLI)
  • Directors and officers liability insurance (D&O)
  • Products liability and product recall insurance
  • Contractual liability insurance
  • Technology E&O insurance
  • Employment practices insurance
  • Environmental liability insurance
  • Builder's risk insurance
  • Fidelity and crime insurance
  • Excess and surplus lines insurance

Having drafted many of these types of policies, we are intimately familiar with the coverage interpretation issues that arise, and can tell the well-written policies from the poor ones. The scope of our representation ranges from negotiating early claim settlements to multiparty mediations of large and complex claims to high-stakes coverage and bad faith litigation and trials.

For business policyholders, we offer advice and recommendations intended to avoid costly coverage disputes. For a fixed fee, we can evaluate the client's insurance needs and the adequacy of its policies before a claim occurs. We identify needed changes to policies that are either poorly drafted or that contain exclusions inappropriate to the client's business risks. Working with the client's broker, we draft policy forms better customized to the client's particular needs. We also perform more detailed audits of the company's risks and the methods available for managing them. We often provide these services in conjunction with the company's insurance broker.

For our carrier clients, our available services extend far beyond litigation. We draft and revise policy forms based on our thorough knowledge of the legal liabilities and risks of loss the client is insuring, and on our long experience litigating the interpretation of policy terms. We provide in-house training in claim handling, underwriting compliance and the legal landscape in which policyholders operate.

We also advise venture capital and private equity firms concerning the adequacy of the insurance programs of companies they propose to acquire or in which they may invest.