Attorneys in our Insurance Practice Group have decades of experience providing sophisticated insurance advice to policyholders and their insurers facing complex insurance issues that can arise before or after a loss. Virtually every business and potentially its owners or employees have some insurance coverage that may trigger after a loss occurs. In those cases, our insurance practice is focused on maximizing our client’s insurance recovery and advising our clients on how to mitigate future risks utilizing their insurance assets before a loss ever occurs. With every engagement, our firm takes a proactive and business-minded approach to ensure or clients’ interests are always protected.

Our Experience

Our attorneys have extensive experience with all major forms of commercial liability insurance policies covering insureds across a wide range of industries and exposure levels. Our attorneys have expertise in the following coverage areas, among others:

  • Commercial General Liability;
  • Errors & Omissions;
  • Directors & Officers;
  • Employment Practices;
  • Employment Practices and Fiduciary Liability;
  • Commercial Property and Business Interruption;
  • Cyber Liability;
  • Environmental Liability;
  • Defamation and Invasion of Privacy;
  • Workers Compensation and Employers Liability; and
  • Business Auto Insurance.

With a deep understanding of how these coverages are written, our attorneys know how to navigate traditional and emerging complex insurance coverage issues and work through even the most difficult insurance disputes. Our attorneys have successfully maximized our clients’ insurance coverage on countless engagements, including after an insurer has denied a claim or issued a reservation of rights to disclaim coverage in the future. While many of these disputes can be resolved without litigation, our attorneys have extensive experience vigorously defending our clients in coverage disputes when litigation is necessary.

In many cases, even before a loss occurs, our firm can help clients avoid insurance disputes and costly litigation by proactively advising our clients on the scope of their insurance coverage, and by educating clients on what their rights and obligations may be under a policy when a loss event does occur. Many clients are pleased to find out their insurance policy may afford them a “defense” when a liability claim is made against the business—meaning the insurer will pay reasonable attorney’s fees to defend our client in a lawsuit—even when coverage for the claim may be questionable. In some cases, our clients may have the ability to select Lewis Rice as their counsel of choice at the insurer’s cost. In cases where we are not retained to defend our client in an underlying liability claim, our attorneys routinely monitor our client’s cases to ensure their liability and insurance interests are fully protected.