Gary Guzzi's practice is devoted to representation of insurance carriers throughout Florida in a wide variety of disputes. Gary has protected the interests of numerous national and international insurance carriers with respect to coverage claims, rescissions, bad faith, and ERISA-governed policies. Prior coverage claims have included disputes regarding life, disability, commercial general liability, homeowner, business interruption, and auto claims. Gary's bad faith experience includes both first-party claims such as wrongful denial, delay, improper appraisal invocation, and lowballing, as well as third-party claims such as failure to tender limits, failure to proactively negotiate, and improper settlement communications. Gary has represented carriers in litigation involving carriers' rescissions of policies, including misrepresentations in applications, failure to update applications, and Stranger-Owned Life Insurance. Gary has also litigated cases involving life, disability and similar policies governed by ERISA, including claims for breach of fiduciary duty and claims for benefits. Gary's practice also includes advising carriers with respect to proper techniques for claim handling, rescissions, and other aspects of carriers' businesses. Gary has written numerous articles regarding various aspects of Florida insurance law, and has been a frequent speaker at insurance-related conferences.