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For more than 65 years, Cummins & White, LLP’s insurance lawyers have been representing clients in the areas of coverage, “bad faith”, errors and omissions, personal injury, property damage, liability defense, subrogation, reinsurance, administrative and regulatory law.

We not only know insurance law, we make it. For more than five decades, the firm’s insurance lawyers have been leaders in developing and implementing new insurance law theories and strategies in both property and liability cases.

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

Cummins & White, LLP’s Insurance practice is nationally recognized in coverage analysis and litigation. Our lawyers provide insurance carriers throughout the United States with coverage advice pertaining to claims under property and liability insurance policies.


With our broad national insurance experience, Cummins & White attorneys are often called upon to conduct appraisals in disputes between insurance companies and their insureds.


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.

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.

Contact Cummins & White about your insurance litigation needs today.

Insurance Liability Defense Litigation

Cummins and White, LLP’s  litigators have an exceptional reputation for winning in cases that go to court for insurance defense litigation. We take pride in our ability to evaluate a case and to counsel clients on defense strategies and tactics that lead to timely, cost-effective results.

Our lawyers are highly trained in the mechanics of arbitration, mediation, and the courtroom, and enjoy impressive reputations for the settlements they engineer and the defense verdicts they earn in the following areas:

  • Professional liability
  • Premises liability
  • Errors & Omissions
  • Automobile liability
  • Public transportation
  • Manufacturing
  • Products liability
  • Construction defect
  • Personal injury litigation

Cummins & White lawyers work closely with our insurance and self-insured clients to safeguard their interests. We position our clients so that they always have the advantage in any situation or challenge, and we take pride in our ability to resolve the complex issues which confront them in both the interpretation of insurance policies and litigation.

Premises Liability

Cummins & White, LLP defends premises liability litigation suits on behalf of insurance companies and their insureds, as well as self-insured entities. Our litigators have an outstanding reputation for winning defense verdicts for cases that go to trial.

Our premises liability lawyers have extensive experience handling fraudulent claims related to alleged accidents occurring on properties and locations, such as:

  • Churches
  • Department stores
  • Motels and hotels
  • Parking lots and parking ramps
  • Restaurants and bars
  • Shopping centers
  • Sports facilities, playgrounds, and parks
  • Transportation facilities
    • Airports
    • Bus terminals
    • Train stations