Insurance Coverage Issues

An initial question that often arises when a claim is presented is whether insurance coverage exists regarding the particular claim. The attorneys at Holtsford Gilliland engage in an in-depth analysis and interpretation of the subject policy to determine whether coverage exists. We provide our clients with a well-reasoned and articulate opinion letter they can use in determining how to proceed with the claim, including deciding whether any portion of the claim should be paid, denied, settled or litigated.

Our insurance coverage practice includes questions of first-party coverage as well as an analysis of whether an insurance carrier’s duty to defend and/or indemnify is triggered under the terms of a policy in relation to a third party claim. Additionally, our services include an assessment of the insurer’s potential exposure to claims of insurance bad faith. Our firm’s experience includes a wide array of insurance policy types, including automobile and trucking liability policies, homeowner policies, general liability and construction claims, employment practices liability, workers’ compensation coverage, D&O coverage, and professional liability policies.

Sound Advice, Prudent Counsel, Effective Litigation Defense

As experienced litigators, we are also prepared to pursue or defend a declaratory judgment action which may be filed on the threshold issue of coverage. Due to the importance of determining what, if any, specific coverage responsibilities may be required, it is important to retain the assistance of experienced insurance coverage counsel with successful litigation experience in this area.