Insurance Advice and Counseling
Our lawyers have deep experience counseling insureds. We audit insurance policies (existing, renewal, or new), suggesting coverage enhancements, changes to provide more clarity on the coverage, and changes to restrict limitations on coverage. We also help clients navigate the nuances and complexities of dealing with insurers once a loss occurs or a claim is made, helping clients to avoid time traps and other technical conditions in policies that could negatively impact recoveries. Additionally, we work closely with clients and their “deal” counsel in mergers and acquisitions, helping ensure that indemnification, risk transfer, and insurance rights are appropriately preserved.
We also strive to bring a practical vision to insurance needs and insurance relationships. We believe it important for insureds to avoid “burning bridges” whenever possible, while not compromising the benefits of the insurance they purchased.
We believe that our experience across various industries, with domestic and foreign risks, and with the many types of insurance allows us to temper our legal advice with a deep knowledge of the insurance marketplace, insurance trends, policy language, and the historical development of insurance. Putting it simply, we know where insurance policies and their language come from, and how they have evolved over the last century. We have made it a point to know the history of insurance and how insurance markets have responded to major losses over the last 150 years and to the development of new common law and statutory theories of liability. We bring this knowledge to the advice we share.
We also offer insights into coverage based upon our collective decades of experience in drafting policy language, seeing how insurers interpret form and manuscript language, and addressing insurance needs in light of how courts and arbitrators have interpreted insurance policies. Having influenced the development of insurance law through the results we have achieved, our hundreds of articles and other writings, and court decisions citing to our writings, we believe we bring a unique perspective to counseling our clients. We provide the appropriate legal analysis and framework, but we bring a real world practical perspective to our advice. For us, advice is more than just identifying particular insurance issues—it is doing so with our client’s short- and long-term interests in mind, working with our clients to best advance their goals and strategies.
We strive to bring a practical vision to insurance needs and insurance relationships.