Best Lawyers for Insurance Law in America

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Lawyer
  • Location:
    Kansas City, Missouri
  • Practice Areas:
    Mass Tort Litigation / Class Actions - Defendants Litigation - Real Estate Trade Secrets Law Insurance Law Litigation - Insurance
Lawyer
  • Location:
    Hackensack, New Jersey
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Albuquerque, New Mexico
  • Practice Areas:
    Personal Injury Litigation - Plaintiffs Insurance Law Product Liability Litigation - Plaintiffs
Lawyer
  • Location:
    Baton Rouge, Louisiana
  • Practice Areas:
    Litigation - Mergers and Acquisitions Commercial Litigation Insurance Law Corporate Law
Lawyer
  • Location:
    Seattle, Washington
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Albany, New York
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Miami, Florida
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Houston, Texas
  • Practice Areas:
    Insurance Law Litigation - Insurance
Lawyer
  • Location:
    Birmingham, Alabama
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Hollywood, Florida
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Little Rock, Arkansas
  • Practice Areas:
    Appellate Practice Insurance Law Medical Malpractice Law - Defendants
Lawyer
  • Location:
    Boise, Idaho
  • Practice Areas:
    Construction Law Litigation - Construction Insurance Law Personal Injury Litigation - Defendants Commercial Litigation
Lawyer
  • Location:
    Birmingham, Alabama
  • Practice Areas:
    Insurance Law Professional Malpractice Law - Defendants Construction Law Litigation - Construction Product Liability Litigation - Defendants
Lawyer
  • Location:
    Phoenix, Arizona
  • Practice Areas:
    Insurance Law
Lawyer
Jack G. Angaran was awarded  "Lawyer of the Year" in

Jack G. Angaran

Georgeson Angaran
  • Location:
    Reno, Nevada
  • Practice Areas:
    Insurance Law Litigation - Real Estate Litigation - Construction
Lawyer
  • Location:
    Smithfield, North Carolina
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    New York, New York
  • Practice Areas:
    Insurance Law Commercial Litigation
Lawyer
  • Location:
    Ridgeland, Mississippi
  • Practice Areas:
    Litigation - ERISA Insurance Law
Lawyer
  • Location:
    Little Rock, Arkansas
  • Practice Areas:
    Personal Injury Litigation - Defendants Insurance Law
Lawyer
  • Location:
    Highlands Ranch, Colorado
  • Practice Areas:
    Insurance Law Litigation - Insurance Personal Injury Litigation - Defendants
Lawyer
  • Location:
    Morgantown, West Virginia
  • Practice Areas:
    Litigation - Insurance Insurance Law
Lawyer
  • Location:
    Charleston, South Carolina
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Denver, Colorado
  • Practice Areas:
    Professional Malpractice Law - Plaintiffs Insurance Law Product Liability Litigation - Plaintiffs Personal Injury Litigation - Plaintiffs
Lawyer
  • Location:
    New Orleans, Louisiana
  • Practice Areas:
    Product Liability Litigation - Defendants Insurance Law Commercial Litigation Bet-the-Company Litigation
Lawyer
  • Location:
    Knoxville, Tennessee
  • Practice Areas:
    Insurance Law Personal Injury Litigation - Plaintiffs Personal Injury Litigation - Defendants
Lawyer
  • Location:
    Chicago, Illinois
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Kansas City, Missouri
  • Practice Areas:
    Insurance Law Banking and Finance Law
Lawyer
  • Location:
    Springfield, Missouri
  • Practice Areas:
    Personal Injury Litigation - Plaintiffs Product Liability Litigation - Plaintiffs Insurance Law
Lawyer
  • Location:
    San Francisco, California
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Seattle, Washington
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Greenwood Village, Colorado
  • Practice Areas:
    Litigation - Labor and Employment Insurance Law Litigation - ERISA
Lawyer
  • Location:
    Kansas City, Missouri
  • Practice Areas:
    Commercial Litigation Litigation - Environmental Environmental Law Insurance Law
Lawyer
  • Location:
    Ridgeland, Mississippi
  • Practice Areas:
    Litigation - ERISA Insurance Law
Lawyer
  • Location:
    Chicago, Illinois
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Columbia, South Carolina
  • Practice Areas:
    Insurance Law Commercial Litigation
Lawyer
  • Location:
    Missoula, Montana
  • Practice Areas:
    Real Estate Law Litigation - Bankruptcy Commercial Litigation Insurance Law Product Liability Litigation - Defendants Banking and Finance Law Employment Law - Management Labor Law - Management
Lawyer
  • Location:
    Winston-Salem, North Carolina
  • Practice Areas:
    Insurance Law Personal Injury Litigation - Defendants Medical Malpractice Law - Defendants Commercial Litigation
Lawyer
  • Location:
    Chicago, Illinois
  • Practice Areas:
    Insurance Law Litigation - Insurance
Lawyer
  • Location:
    Los Angeles, California
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Boston, Massachusetts
  • Practice Areas:
    Legal Malpractice Law - Defendants Insurance Law
Lawyer
  • Location:
    Atlanta, Georgia
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Cheyenne, Wyoming
  • Practice Areas:
    Insurance Law Product Liability Litigation - Defendants Personal Injury Litigation - Defendants
Lawyer
  • Location:
    Kansas City, Missouri
  • Practice Areas:
    Commercial Litigation Litigation - ERISA Litigation - Banking and Finance Insurance Law
Lawyer
  • Location:
    Jackson, Mississippi
  • Practice Areas:
    Insurance Law Personal Injury Litigation - Defendants
Lawyer
  • Location:
    Indianapolis, Indiana
  • Practice Areas:
    Corporate Law Insurance Law
Lawyer
  • Location:
    Birmingham, Alabama
  • Practice Areas:
    Commercial Litigation Litigation - Insurance Insurance Law
Lawyer
  • Location:
    Austin, Texas
  • Practice Areas:
    Insurance Law Government Relations Practice Administrative / Regulatory Law
Lawyer
  • Location:
    Birmingham, Alabama
  • Practice Areas:
    Insurance Law Litigation - Banking and Finance Commercial Litigation Litigation - Municipal
Lawyer
  • Location:
    Atlanta, Georgia
  • Practice Areas:
    Litigation - Insurance Insurance Law
Lawyer
  • Location:
    Little Rock, Arkansas
  • Practice Areas:
    Medical Malpractice Law - Defendants Insurance Law Personal Injury Litigation - Defendants Product Liability Litigation - Defendants
Lawyer
  • Location:
    Jackson, Mississippi
  • Practice Areas:
    Commercial Litigation Litigation - Real Estate Product Liability Litigation - Defendants Insurance Law Personal Injury Litigation - Defendants Mass Tort Litigation / Class Actions - Defendants
Lawyer
  • Location:
    Jackson, Mississippi
  • Practice Areas:
    Commercial Litigation Insurance Law Litigation - Antitrust
Lawyer
  • Location:
    Dallas, Texas
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Indianapolis, Indiana
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Bridgeport, Connecticut
  • Practice Areas:
    Real Estate Law Insurance Law
Lawyer
  • Location:
    Winston-Salem, North Carolina
  • Practice Areas:
    Insurance Law Commercial Litigation Litigation - Banking and Finance Personal Injury Litigation - Defendants Litigation - Insurance
Lawyer
  • Location:
    Ridgeland, Mississippi
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Dallas, Texas
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    St. Louis, Missouri
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Atlanta, Georgia
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Pittsburgh, Pennsylvania
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Little Rock, Arkansas
  • Practice Areas:
    Insurance Law Litigation - Insurance Personal Injury Litigation - Defendants Product Liability Litigation - Defendants
Lawyer
  • Location:
    Pasadena, Maryland
  • Practice Areas:
    Insurance Law Legal Malpractice Law - Defendants
Lawyer
  • Location:
    Richmond, Virginia
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Albany, New York
  • Practice Areas:
    Personal Injury Litigation - Defendants Insurance Law
Lawyer
  • Location:
    Denver, Colorado
  • Practice Areas:
    Personal Injury Litigation - Defendants Litigation - Insurance Insurance Law
Lawyer
  • Location:
    San Francisco, California
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    New York, New York
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Tulsa, Oklahoma
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Raleigh, North Carolina
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Nashville, Tennessee
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Minneapolis, Minnesota
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    San Diego, California
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Houston, Texas
  • Practice Areas:
    Insurance Law Commercial Litigation
Lawyer
  • Location:
    Portland, Oregon
  • Practice Areas:
    Insurance Law Appellate Practice
Lawyer
  • Location:
    Nashville, Tennessee
  • Practice Areas:
    Litigation - Construction Insurance Law
Lawyer
  • Location:
    Middlebury, Vermont
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Los Angeles, California
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Columbia, South Carolina
  • Practice Areas:
    Litigation - Real Estate Insurance Law Personal Injury Litigation - Defendants Litigation - Construction
Lawyer
  • Location:
    St. Louis, Missouri
  • Practice Areas:
    Personal Injury Litigation - Defendants Insurance Law
Lawyer
  • Location:
    Dallas, Texas
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Burlington, Vermont
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Austin, Texas
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Madison, Wisconsin
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Mobile, Alabama
  • Practice Areas:
    Personal Injury Litigation - Defendants Insurance Law Medical Malpractice Law - Defendants Commercial Litigation
Lawyer
  • Location:
    Baltimore, Maryland
  • Practice Areas:
    Insurance Law Commercial Litigation
Lawyer
  • Location:
    Oxford, Mississippi
  • Practice Areas:
    Insurance Law Product Liability Litigation - Defendants Personal Injury Litigation - Defendants Municipal Law
Lawyer
  • Location:
    Montgomery, Alabama
  • Practice Areas:
    Commercial Litigation Litigation - Environmental Insurance Law Litigation - Real Estate Environmental Law
Lawyer
  • Location:
    Milwaukee, Wisconsin
  • Practice Areas:
    Personal Injury Litigation - Defendants Litigation - Insurance Insurance Law
Lawyer
  • Location:
    Beverly Hills, California
  • Practice Areas:
    Litigation - Insurance Insurance Law
Lawyer
  • Location:
    Madison, New Jersey
  • Practice Areas:
    Litigation - Insurance Insurance Law
Lawyer
  • Location:
    Little Rock, Arkansas
  • Practice Areas:
    Administrative / Regulatory Law Insurance Law
Lawyer
  • Location:
    New York, New York
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Red Bank, New Jersey
  • Practice Areas:
    Insurance Law Commercial Litigation
Lawyer
  • Location:
    Miami, Florida
  • Practice Areas:
    Bet-the-Company Litigation Commercial Litigation Insurance Law Appellate Practice Mass Tort Litigation / Class Actions - Defendants
Lawyer
  • Location:
    Nashville, Tennessee
  • Practice Areas:
    Insurance Law Appellate Practice Personal Injury Litigation - Plaintiffs
Lawyer
  • Location:
    Denver, Colorado
  • Practice Areas:
    Insurance Law Litigation - ERISA Legal Malpractice Law - Defendants Commercial Litigation
Lawyer
  • Location:
    Gulfport, Mississippi
  • Practice Areas:
    Construction Law Insurance Law Litigation - Insurance
Lawyer
  • Location:
    Southfield, Michigan
  • Practice Areas:
    Litigation - Insurance Insurance Law
Lawyer
  • Location:
    Wichita, Kansas
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Raleigh, North Carolina
  • Practice Areas:
    Commercial Litigation Litigation - Labor and Employment Insurance Law
Lawyer
  • Location:
    Newark, New Jersey
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Washington, District of Columbia
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Portland, Oregon
  • Practice Areas:
    Appellate Practice Insurance Law Litigation - First Amendment
Lawyer
  • Location:
    Phoenix, Arizona
  • Practice Areas:
    Insurance Law Commercial Litigation Personal Injury Litigation - Defendants
Lawyer
  • Location:
    Baton Rouge, Louisiana
  • Practice Areas:
    Insurance Law Administrative / Regulatory Law Commercial Litigation Government Contracts Entertainment Law - Motion Pictures and Television Professional Malpractice Law - Defendants
Lawyer
  • Location:
    Charleston, South Carolina
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Richmond, Virginia
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Dallas, Texas
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Raleigh, North Carolina
  • Practice Areas:
    Litigation - Construction Construction Law Insurance Law
Lawyer
  • Location:
    Baton Rouge, Louisiana
  • Practice Areas:
    Insurance Law Commercial Litigation
Lawyer
  • Location:
    Milwaukee, Wisconsin
  • Practice Areas:
    Commercial Litigation Litigation - Environmental Insurance Law Litigation - Insurance
Lawyer
  • Location:
    Los Angeles, California
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Washington, District of Columbia
  • Practice Areas:
    Insurance Law
Lawyer
Stephan S. Cohn was awarded  "Lawyer of the Year" in

Stephan S. Cohn

Berger Kahn , ALC
  • Location:
    Irvine, California
  • Practice Areas:
    Litigation - Insurance Insurance Law
Lawyer
  • Location:
    Missoula, Montana
  • Practice Areas:
    Personal Injury Litigation - Defendants Insurance Law
Lawyer
  • Location:
    West Palm Beach, Florida
  • Practice Areas:
    Litigation - Labor and Employment Commercial Litigation Professional Malpractice Law - Defendants Insurance Law Bet-the-Company Litigation Litigation - Real Estate Litigation - Mergers and Acquisitions Personal Injury Litigation - Plaintiffs Litigation - Insurance
Lawyer
  • Location:
    Lexington, Kentucky
  • Practice Areas:
    Commercial Litigation Product Liability Litigation - Defendants Litigation - Insurance Personal Injury Litigation - Defendants Education Law Insurance Law
Lawyer
  • Location:
    Austin, Texas
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Bridgeport, West Virginia
  • Practice Areas:
    Insurance Law Personal Injury Litigation - Plaintiffs
Lawyer
  • Location:
    Bridgeport, West Virginia
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Ridgeland, Mississippi
  • Practice Areas:
    Insurance Law Commercial Litigation Bet-the-Company Litigation
Lawyer
  • Location:
    Miami, Florida
  • Practice Areas:
    Insurance Law Appellate Practice
Lawyer
  • Location:
    Atlanta, Georgia
  • Practice Areas:
    Litigation - Insurance Insurance Law Product Liability Litigation - Defendants
Lawyer
  • Location:
    Jackson, Mississippi
  • Practice Areas:
    Commercial Litigation Insurance Law Litigation - Banking and Finance Litigation - Antitrust Litigation - Bankruptcy
Lawyer
  • Location:
    Overland Park, Kansas
  • Practice Areas:
    Litigation - Labor and Employment Insurance Law Employment Law - Management
Lawyer
  • Location:
    Columbia, South Carolina
  • Practice Areas:
    Insurance Law Personal Injury Litigation - Defendants
Lawyer
  • Location:
    Wichita, Kansas
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Morristown, New Jersey
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Philadelphia, Pennsylvania
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Lexington, Kentucky
  • Practice Areas:
    Health Care Law Insurance Law
Lawyer
  • Location:
    Los Angeles, California
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Knoxville, Tennessee
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Jackson, Mississippi
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    San Diego, California
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Seattle, Washington
  • Practice Areas:
    Insurance Law Commercial Litigation Bet-the-Company Litigation
Lawyer
  • Location:
    Los Angeles, California
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Madison, Wisconsin
  • Practice Areas:
    Medical Malpractice Law - Defendants Product Liability Litigation - Defendants Insurance Law Personal Injury Litigation - Defendants
Lawyer
  • Location:
    Houston, Texas
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Roseland, New Jersey
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Dallas, Texas
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Jackson, Mississippi
  • Practice Areas:
    Personal Injury Litigation - Defendants Insurance Law
Lawyer
  • Location:
    New Orleans, Louisiana
  • Practice Areas:
    Personal Injury Litigation - Plaintiffs Insurance Law
Lawyer
  • Location:
    Atlanta, Georgia
  • Practice Areas:
    Insurance Law Legal Malpractice Law - Defendants
Lawyer
  • Location:
    Charleston, West Virginia
  • Practice Areas:
    Employment Law - Management Insurance Law Litigation - Insurance
Lawyer
  • Location:
    Florham Park, New Jersey
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    San Diego, California
  • Practice Areas:
    Insurance Law Commercial Litigation
Lawyer
  • Location:
    Ontario, California
  • Practice Areas:
    Insurance Law Health Care Law
Lawyer
  • Location:
    Louisville, Kentucky
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Wichita, Kansas
  • Practice Areas:
    Litigation - Construction Insurance Law
Lawyer
  • Location:
    Honolulu, Hawaii
  • Practice Areas:
    Personal Injury Litigation - Plaintiffs Insurance Law Medical Malpractice Law - Plaintiffs
Lawyer
  • Location:
    Chicago, Illinois
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Atlanta, Georgia
  • Practice Areas:
    Insurance Law Commercial Litigation
Lawyer
  • Location:
    Austin, Texas
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Austin, Texas
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Austin, Texas
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    Morristown, New Jersey
  • Practice Areas:
    Insurance Law
Lawyer
  • Location:
    San Francisco, California
  • Practice Areas:
    Insurance Law Commercial Litigation Mass Tort Litigation / Class Actions - Defendants
Lawyer
  • Location:
    Richmond, Virginia
  • Practice Areas:
    Insurance Law Appellate Practice Litigation - ERISA
Lawyer
  • Location:
    Tallahassee, Florida
  • Practice Areas:
    Insurance Law

  • Location:
  • Practice Areas:

Practice Area Definition

Insurance Law Definition

The term "insurance law" encompasses a very broad range of services that law firms provide to clients in connection with insurance coverage disputes and other insurance-related matters. Clients include individual and corporate policyholders, insurance companies, reinsurers, and brokers. Due to potential conflicts, firms with substantial insurance law practices often represent either the insurer side or the policyholder side, but not both.

Insurance policies sold to corporate policyholders protect against a wide variety of risks, including liability or loss resulting from: (i) allegedly defective products (including medical devices and pharmaceuticals), (ii) data breaches and other internet-related claims, (iii) mass torts, including exposure to harmful substances such as asbestos and silica, (iv) property damage and business interruption, (v) man-made and natural disasters, (vi) securities and business torts (often involving shareholder class actions and/or SEC investigations and enforcement actions), (vii) environmental damage, (viii) employment claims (including worker’s compensation and discrimination claims), (ix) professional liability, and (x) and crime/fraud. The major types of insurance policies purchased by corporate policyholders include general liability policies, directors and officers liability policies, fiduciary liability policies, employment practices liability policies, errors and omissions and professional liability policies, first-party property and business interruption policies, marine insurance, crime/fraud policies, workers compensation policies, environmental impairment policies, and a wide variety of specialty products (e.g., media policies, satellite launch and in-orbit insurance, product recall policies, cargo policies, product tampering policies, event cancellation coverage). Major markets for buying and selling insurance include the United States, London, Bermuda, and Europe.

Insurance programs sold to and purchased by corporate policyholders typically include several layers of insurance, with a primary insurance policy that often sits above a deductible (or self-insured retention) and with multiple layers of excess policies sitting above the primary policy. Large claims can often implicate coverage under dozens of policies sometimes spanning years or decades. In contrast, individual policyholders typically purchase life insurance, health insurance, disability and/or long-term care insurance, homeowners or renters insurance, automobile insurance, and sometimes specialty insurance, such as coverage for jewelry or works of art, travel insurance, etc.

Law firms provide clients with insurance coverage counseling and advice on a wide array of issues, ranging from assessments of coverage for particular losses and representation in coverage disputes to providing help with assembling a coverage portfolio and formulating favorable policy language when insurance is being purchased or renewed. Firms also advise clients regarding the insurance assets being transferred in corporate transactions, with tax planning in connection with insurance payments or recoveries, and with alternative underwriting programs, such as captive insurance entities.

Policyholders and insurers dealing with significant losses often call on outside coverage counsel for advice and assistance in pursuing coverage or responding to claims for coverage, as the case may be. In the event of a dispute over coverage for a particular claim, the insurer and insured may resort to litigation, arbitration, or mediation to resolve their differences. If the parties proceed to litigation, the case may proceed in either federal or state court, even though the substantive insurance law issues are decided as a matter of state law. Some insurance policies require the parties to resolve coverage disputes through either domestic or international arbitration. In recent years, an increasing number of large disputes have been resolved through international arbitration, often in London or Bermuda. In many cases, experienced coverage counsel can facilitate resolution of a coverage dispute without having to resort to the courts (or to arbitration). In other cases, settlement negotiations proceed on a parallel track while the litigation (or arbitration) moves forward.

Covington & Burling LLP

Covington & Burling LLP logo

The term "insurance law" encompasses a very broad range of services that law firms provide to clients in connection with insurance coverage disputes and other insurance-related matters. Clients include individual and corporate policyholders, insurance companies, reinsurers, and brokers. Due to potential conflicts, firms with substantial insurance law practices often represent either the insurer side or the policyholder side, but not both.

Insurance policies sold to corporate policyholders protect against a wide variety of risks, including liability or loss resulting from: (i) allegedly defective products (including medical devices and pharmaceuticals), (ii) data breaches and other internet-related claims, (iii) mass torts, including exposure to harmful substances such as asbestos and silica, (iv) property damage and business interruption, (v) man-made and natural disasters, (vi) securities and business torts (often involving shareholder class actions and/or SEC investigations and enforcement actions), (vii) environmental damage, (viii) employment claims (including worker’s compensation and discrimination claims), (ix) professional liability, and (x) and crime/fraud. The major types of insurance policies purchased by corporate policyholders include general liability policies, directors and officers liability policies, fiduciary liability policies, employment practices liability policies, errors and omissions and professional liability policies, first-party property and business interruption policies, marine insurance, crime/fraud policies, workers compensation policies, environmental impairment policies, and a wide variety of specialty products (e.g., media policies, satellite launch and in-orbit insurance, product recall policies, cargo policies, product tampering policies, event cancellation coverage). Major markets for buying and selling insurance include the United States, London, Bermuda, and Europe.

Insurance programs sold to and purchased by corporate policyholders typically include several layers of insurance, with a primary insurance policy that often sits above a deductible (or self-insured retention) and with multiple layers of excess policies sitting above the primary policy. Large claims can often implicate coverage under dozens of policies sometimes spanning years or decades. In contrast, individual policyholders typically purchase life insurance, health insurance, disability and/or long-term care insurance, homeowners or renters insurance, automobile insurance, and sometimes specialty insurance, such as coverage for jewelry or works of art, travel insurance, etc.

Law firms provide clients with insurance coverage counseling and advice on a wide array of issues, ranging from assessments of coverage for particular losses and representation in coverage disputes to providing help with assembling a coverage portfolio and formulating favorable policy language when insurance is being purchased or renewed. Firms also advise clients regarding the insurance assets being transferred in corporate transactions, with tax planning in connection with insurance payments or recoveries, and with alternative underwriting programs, such as captive insurance entities.

Policyholders and insurers dealing with significant losses often call on outside coverage counsel for advice and assistance in pursuing coverage or responding to claims for coverage, as the case may be. In the event of a dispute over coverage for a particular claim, the insurer and insured may resort to litigation, arbitration, or mediation to resolve their differences. If the parties proceed to litigation, the case may proceed in either federal or state court, even though the substantive insurance law issues are decided as a matter of state law. Some insurance policies require the parties to resolve coverage disputes through either domestic or international arbitration. In recent years, an increasing number of large disputes have been resolved through international arbitration, often in London or Bermuda. In many cases, experienced coverage counsel can facilitate resolution of a coverage dispute without having to resort to the courts (or to arbitration). In other cases, settlement negotiations proceed on a parallel track while the litigation (or arbitration) moves forward.