Find Lawyers in Baltimore, Maryland for Insurance Law
Joe Beavers' practice focuses on the representation of policyholders in insurance coverage litigation. He regularly advises clients regarding risk management issues, including the procurement and maintenance of insurance assets. He also conducts forensic insurance coverage investigations, reconstructing and analyzing historic insurance assets. Joe represents and advises policyholders regarding insurance coverage issues arising from environmental claims, lead-paint claims, mold claims, D&O...
While he is best known for the defense of product liability cases, Gardner Duvall has substantial achievements in other practices as well. His work in business litigation has recovered nearly a quarter of a billion dollars for his clients. Gardner also has a substantial practice concerning fiduciary liability, especially in the field of estates and trusts. Gardner's appellate work has established new law, including Maryland’s stringent standards for imposing punitive damages. He also co...
Counsel for State Insurance Guaranty Fund Counsel for area College in Litigation and Business Matters Lead Counsel in several multi-party insurance coverage disputes Tried numerous jury trials to verdict Represents numerous businesses in commercial disputes Represented manufacturers in design defect cases Represented accountants in malpractice actions Represented Health Care professionals in malpractice actions Prosecuted and defended securities claims Represented numerous alleged potentially...
Dwight W. Stone II has more than 25 years of litigation experience representing clients in various state and federal courts and administrative agencies as a trial and appellate advocate. Dwight’s practice includes products liability and class action defense, toxic tort and environmental claims, insurance coverage disputes, and other complex business disputes. A significant part of his practice is the representation of clients before the U.S. Consumer Product Safety Commission (CPSC) in ...
Emily K. Devan focuses her practice on commercial litigation and litigation related to insolvency proceedings, including bankruptcy cases, receiverships and assignments for the benefit of creditors. Emily is an associate in the Baltimore office of Miles & Stockbridge and the firm’s Creditors’ Rights & Bankruptcy Practice Group. Before joining Miles & Stockbridge, she was an associate with a law firm in Delaware, where she practiced in bankruptcy courts throughout the c...
Insurance Law Definition
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.
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