Insurance Litigation and Coverage Analysis

Insurance Coverage Litigation

Our litigators are consummate advocates with an impressive record of success and have earned the firm a national reputation for its trial work and ability to handle cases of first impression. We have played an instrumental role in litigating high profile, complex cases focusing on issues of fraud, asbestos, earth movement, toxic torts, mold, explosion, fire losses, and petrochemical contamination. Our strategic skills and courtroom savvy combine to provide clients with cost-efficient, results-oriented solutions at all levels of state and federal trial courts, and at arbitrations and administrative hearings.

Cummins & White lawyers proactively represent insurance carriers and their policyholders in all types of insurance coverage related litigation, including:

  • Declaratory relief
  • “Bad Faith”
  • Subrogation
  • Contribution actions
  • Enforceability of policy conditions and exclusions
  • Fraudulent claims
  • Date of loss disputes
  • Concurrent causation
  • Defective construction
  • Mold
  • Advertising injury
  • Allocation of defense costs among insurers

Insurance Coverage Analysis

Led by partner Larry M. Arnold, P.C., a nationally recognized expert in coverage analysis and litigation, Cummins & White lawyers provide insurance carriers throughout the United States with coverage advice pertaining to claims under property and liability insurance policies.

  • Appraisals—With our broad national insurance experience, Cummins & White attorneys are often called upon to conduct appraisals in disputes between insurance companies and their insureds.
  • Coverage—Cummins & White lawyers provide advice in first and third party claims and opinions as coverage under  insurance policies covering commercial and personal lines. Our legal counsel is predicated on a “best advice” standard and results in coverage opinions which are thorough, concise and reliable. We give advice under all types of policies, including:
    • Commercial lines
    • Personal lines
    • Builder’s risk
    • Boiler and machinery
    • Transit
    • Forced place
    • Excess
    • Reinsurance
    • Inland marine
    • Errors  and omissions
    • Directors and officers
  • Examinations Under Oath—With broad experience defending insurance carriers in bad faith actions, Cummins & White attorneys are well-versed in how examinations under oath should be handled and what steps to avoid.  Our lawyers who specialize in arson claims have taken certification classes provided through the State Fire Marshal’s Office and routinely provide advice regarding questionable or suspected fraudulent claims.

Cummins & White also is called upon to assist with drafting client policy forms. The firm is uniquely qualified to create such forms because of our ongoing knowledge of existing and imminent coverage law.