Insurance Coverage

Insurance Coverage and Extra-Contractual/Bad Faith Matters

TOSC successfully assists and defends insurers in insurance coverage matters. Our services include detailed coverage evaluations and opinions, and the preparation of reservations of rights and non-waiver agreements. We handle matters involving general liability, professional liability, directors and officers, fire, commercial property, personal auto and life. Our clients include primary insurers, as well as umbrella and excess insurers, and reinsurers.

We regularly advise clients on their rights and duties with regard to defense and indemnification in the context of bodily injury and property damage, work product and construction defects, advertising injury and business torts, involving both commercial and personal lines policies. Where appropriate, TOSC attorneys will pursue declaratory judgments and subrogation.

TOSC also represents insurers with claims involving arson, fraudulent thefts, inflated claims, insurance application fraud and "bad faith" claims. TOSC can assist in examinations under oath and advising insurers of their rights and duties in claims involving suspicious or questionable losses.

TOSC has extensive experience in the specialized area practice involving extra-contractual liability, including bad faith and punitive damages.

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