We’re masters at reading policies, at interpreting coverage opinions, and at successfully challenging denials. When insurers prove intransigent (which is often), we sue swiftly, and we press cases without mercy. Moreover, because we represent only policyholders, we avoid conflicts and other “business issues” that confront attorneys and brokers who rely upon insurers for referrals. We don’t need referrals from insurers. The end result has been hundreds of millions of dollars in coverage recovered for our clients, numerous “bad faith” judgments against insurers, and cutting-edge decisions in coverage law. To be sure, insurers know that a call, letter, or lawsuit from us means a policyholder is serious about obtaining their full insurance benefits. Or else.
In the wake of a loss or the frenzy of a lawsuit, insurance is often an afterthought. But not for us. We’re always thinking of coverage. Always. Our business is built on successfully exploiting clients’ coverage, and helping them access policy benefits to mitigate risk, to pay claims, and to hire attorneys. We understand policies of all types, as well as manuscript forms tailored to specific exposures. We know the games insurers play to avoid claims, and how to make them act properly. In fact, most cases come to us after an insurer has said, No. Sometimes, repeatedly. In the end, we force insurers to (grudgingly) say, Yes, and they’re often penalized for their stubbornness. That’s only fair. Individuals and businesses pay good money for coverage. When the unexpected happens, insurers need to do the right thing. When they don’t, we take them to task.