We Don’t Just Know Insurance Law. We Helped Shape It.
For more than 75 years, Cummins & White has represented insurance carriers, self-insured entities, businesses, and policyholders in complex coverage, defense, regulatory, and claims-related matters.
Our attorneys have helped shape insurance law through landmark cases, innovative coverage theories, and decades of litigation experience involving property, casualty, professional liability, bad faith, subrogation, and regulatory matters.
Whether advising on coverage obligations, defending high-exposure claims, conducting insurance appraisals, or litigating complex disputes, we provide practical, business-focused counsel designed to protect our clients’ interests and manage risk.
Insurance Coverage Litigation
Insurance coverage disputes often involve high financial exposure, complex policy interpretation, and evolving legal issues.
Cummins & White represents insurers and policyholders in coverage litigation involving:
- Coverage disputes and declaratory relief actions
- Bad faith claims
- Subrogation and contribution actions
- Policy interpretation and enforcement
- Coverage exclusions and conditions
- Fraudulent claims
- Construction defect matters
- Property loss disputes
- Mold and environmental claims
- Allocation of defense and indemnity obligations
Coverage Analysis & Coverage Opinions
Our insurance practice is nationally recognized for its depth of coverage analysis and policy interpretation.
We provide timely, practical, and thorough coverage opinions involving:
- Commercial general liability policies
- Professional liability and E&O policies
- Directors and officers liability
- Personal lines coverage
- Builder’s risk policies
- Inland marine coverage
- Excess and umbrella policies
- Reinsurance matters
- Property insurance claims
- Specialty insurance products
Our goal is to help clients evaluate exposure, make informed claims decisions, and avoid unnecessary litigation whenever possible.
Insurance Appraisals & Examinations Under Oath
Cummins & White attorneys are frequently called upon to serve in insurance appraisal proceedings and advise carriers during examinations under oath.
Drawing upon decades of insurance litigation and claims experience, we help clients navigate complex valuation disputes, investigate claims, and develop strategies that protect their interests while complying with policy and regulatory requirements.
We also assist insurers with policy drafting and policy form development, leveraging our deep understanding of emerging coverage trends and legal developments.
Insurance Defense Litigation
Our litigators have built a reputation for successfully defending insurers, insureds, and self-insured entities in high-exposure litigation throughout California and beyond.
Representative Matters Include:
- Professional liability
- Errors & omissions claims
- Premises liability
- Products liability
- Construction defect claims
- Automobile liability
- Personal injury litigation
- Transportation-related claims
- Manufacturing disputes
We evaluate risk early, develop efficient defense strategies, and focus on achieving favorable outcomes through negotiation, mediation, arbitration, and trial.
Trusted Insurance Counsel for Decades
For generations, insurers, businesses, and self-insured entities have relied on Cummins & White for strategic guidance in insurance coverage, defense, regulatory, and claims-related matters.
Our attorneys combine deep industry knowledge, courtroom experience, and practical business judgment to help clients navigate complex insurance challenges with confidence.
