This is a particular area of expertise for our firm. Our experience enables us to assist with a variety of legal matters while representing both insurers and the insured effectively. Our abilities in this arena include the following:
Our responsibilities when representing insurers typically include detailed coverage evaluations and opinions, and the preparation of reservations of rights and non-waiver agreements. We handle general liability, professional liability, directors and officers, fire, commercial property, personal, auto, and life. Our clients include primary insurers, umbrella and excess insurers and reinsurers. We regularly advise clients on their rights and duties concerning defense and indemnification in the context of bodily injury and property damage, work product and construction defects, advertising injury, and business torts involving commercial and personal lines policies. When appropriate, TOSC attorneys will pursue declaratory judgments and subrogation. TOSC also represents insurers with arson, fraudulent thefts, inflated claims, and insurance application fraud. TOSC can assist with examinations under oath and advise insurers of their rights and duties in claims involving suspicious or questionable losses.
We regularly defend insurers in matters where we are appointed counsel under general liability, professional liability, directors and officers, fire, commercial property, personal auto, and life policies.
TOSC has extensive experience in the specialized area involving extra-contractual liability, including bad faith and punitive damages.