Insurance Coverage

Insurers, third-party administrators and other claims professionals rely on our experience as consultants and litigators for coverage opinions, declaratory judgment actions, bad faith claims, and the pursuit of successful risk transfer strategies and tactics.

Prompt, detailed and thorough coverage opinions, reservations of rights and disclaimers form the initial line of exposure mitigation where insurers’ duties of defense and indemnity require thoughtful analysis. SR&A’s coverage attorneys regularly assess insurer obligations under policies covering casualty losses, property damage, construction defects, business and personal automobiles, directors’ and officers’ liability, product liability, and sexual misconduct. We vigorously prosecute and defend declaratory judgment actions to expeditiously resolve disputes to provide certainty in a manner that is cost-effective for both third-party and first-party claims.

The relentless pursuit of risk transfer benefits is also a hallmark of our practice. Our expertise in obtaining coverage from other parties under additional insured endorsements and contractual indemnification provisions has resulted in substantial up-front savings to our clients, as well as recovery of litigation costs.

Recognizing the special concerns of insurers facing claims of bad faith or unfair claims settlement practices, SR&A works hand-in-hand with our clients to successfully defeat claims for unsubstantiated policy benefits as well as for consequential or punitive damages, whether based on common law principles, statutes, or insurance regulations.