Warner Norcross + Judd's Insurance Practice Group includes a broad range of attorneys with decades of experience assisting clients with insurance matters. Our team includes several attorneys who once represented insurance companies and offer an insider's perspective for how insurance companies handle and litigate claims. This breadth of experience allows us to provide efficient, practical and cutting-edge representation in a wide variety of insurance matters, including evaluating and procuring policy coverage for individuals and businesses and pursuing coverage claims on behalf of policyholders.
Insurance claims can often be a minefield. What appears to be a simple claim can quickly morph into a bewildering maze of exclusionary language, trigger theories, allocation problems and reservations of rights. These are concepts the insurance company may use to minimize its own exposure and to deny coverage, if possible. A client not familiar with these concepts may find its claims being denied, despite having paid thousands of dollars in premiums.
Our insurance litigators will help level the playing field. Our lawyers have experience with a wide range of insurance coverage disputes, allowing them to quickly and effectively identify the weaknesses in the insurance company’s position. This knowledge and experience allows us to resolve many coverage disputes without litigation, saving our clients thousands of dollars in litigation costs.
But when negotiations are not effective, our insurance team is ready and willing to vindicate our clients' claims in court. We have litigated dozens of the most complicated insurance coverage actions, including long-tail environmental exposure cases with policies and losses going back several decades. Our attorneys are accomplished trial and appellate litigators who have experience with virtually every type of policy on the market today, including property, commercial general liability, directors and officers liability, errors and omissions, business interruption, key man, employment practices liability, malpractice, products liability, life and health insurance and no-fault.
Our litigation experience includes:
Nationwide litigation of coverage disputes involving tens of millions of dollars, including declaratory judgment actions, bad faith claims, and other coverage matters
Investigating and providing coverage opinions on a wide variety of insurance claims
Successful settlement of coverage disputes before and after the commencement of litigation
Several members of our insurance team are also members of the Warner Appellate Practice Group and regularly handle insurance appeals in state and federal courts, sometimes involving groundbreaking issues. This means we offer the highest quality representation for insurance appellate matters, whether the goal is to preserve a lower-court victory or get an unfavorable result overturned on appeal.
Dispute resolution is not the only area where our Insurance Practice team adds value. We offer a wide range of insurance counseling services to ensure our clients have the coverage necessary to manage the risks associated with their businesses. These services include, among other things:
- Reviewing and eliminating gaps in coverage
- Identifying areas of redundancy or over-coverage and suggesting ways to improve
- Negotiating with brokers and issuers during renewals
- Identifying and evaluating the client's reporting and disclosure obligations under liability policies.
- Monitoring the status of deductibles, retentions and policy limits
- Reviewing certificates of insurance and underlying policies to ensure our clients have the intended coverage