Insurance Recovery

AI is transforming industries and creating entirely new categories of risk. Whether your company faces claims arising from algorithmic bias, autonomous system failures, IP disputes over AI-generated content, or regulatory enforcement actions, traditional policies often fail to respond clearly. We help policyholders understand the new AI policies on the market and negotiate policy language at procurement. For policyholders without specific AI insurance, we identify and recover under the full range of potentially applicable coverage—including CGL, E&O, cyber, and D&O policies—and navigate the coverage gaps and insurer disputes that inevitably arise when emerging technology losses collide with legacy policy language.

Bermuda Form policies cover some of the largest and most complex risks in the world and come with some of the most insurer-friendly language in the market. We know how to navigate arbitration procedures, choice-of-law provisions, and policy terms that distinguish Bermuda Form coverage from domestic programs. When a major loss hits and your excess insurer pushes back, we have the experience to hold them accountable and maximize your recovery.

Captive insurance programs give companies greater control over their risk, but disputes still arise over coverage terms, regulatory compliance, and reinsurance recoveries. We advise policyholders on structuring captive programs that hold up when claims come in, and we step in to resolve disputes when captive arrangements do not perform as expected. Whether the issue involves fronting carriers, reinsurance collections, or regulatory challenges, we protect the investment you have made in your captive.

Businesses that transport packages and goods face significant exposure on the road, and insurance adds another layer of complexity. Between primary auto liability policies, excess layers, motor cargo coverage, and the additional insured obligations required by shippers and brokers, coverage disputes are common. We help transportation companies recover when insurers raise issues over driver classification, loading and unloading exclusions, or the scope of hired and non-owned auto coverage. We also advocate for policyholders dealing with third-party administrators who delay, underpay, or mishandle claims on behalf of insurers, ensuring that TPA dysfunction does not become a barrier to the recovery you are owed.

CGL policies are the backbone of most companies' insurance programs, covering bodily injury, property damage, and advertising injury claims. When insurers deny or underpay these claims—citing exclusions, late notice, or disputes over what counts as an "occurrence"—we push back. Our team has recovered tens of billions of dollars under CGL policies across a wide range of industries and claim types, from mass tort and product liability to construction defect and environmental contamination.

Employee theft, vendor fraud, social engineering scams, and forgery losses can be devastating. Crime and fidelity policies exist to cover exactly these risks, yet insurers routinely deny claims by parsing policy definitions or arguing that a loss does not qualify as "direct" or result from a "covered act." We have recovered for policyholders facing all manner of financial crime losses and know how to cut through the technicalities insurers use to avoid paying.

Data breaches, ransomware attacks, and privacy litigation are no longer hypothetical risks they are everyday realities. Cyber policies are supposed to cover the fallout, from forensic investigation and notification costs to regulatory defense and business interruption losses. When insurers try to limit payouts by disputing the scope of a cyber event or invoking sublimits and exclusions, we step in to ensure your policy delivers the protection you purchased.

When regulators come knocking or shareholders file suit, your management liability policy should have your back. We make sure it does. Our team has recovered under D&O and management liability policies for the full spectrum of executive-risk claims—SEC investigations, shareholder class actions, consumer protection suits, and enforcement actions under the False Claims Act, Foreign Corrupt Practices Act, and Sherman Antitrust Act. If your company, its directors, or its officers are facing a claim, we fight to ensure your insurer pays what it owes.

Discrimination, harassment, wrongful termination, and retaliation claims can expose companies to substantial liability and significant defense costs. EPL policies are designed to cover these risks, but insurers frequently raise disputes over prior knowledge, interrelated claims, or the boundary between covered employment practices and uncovered wage-and-hour allegations. We work to secure the coverage our clients paid for, allowing them to focus on resolving the underlying claims.

Environmental cleanups and toxic tort litigation generate massive costs that can stretch over years or even decades. Pollution liability policies and legacy CGL programs are designed to respond to these losses, but insurers often invoke pollution exclusions, dispute trigger and allocation issues, or deny that contamination qualifies as a covered event. We have substantial experience recovering for policyholders facing liabilities under the Comprehensive Environmental Response, Compensation, and Liability Act, state cleanup orders, and toxic exposure claims.

A recall can threaten a company's finances, operations, and reputation all at once. Product recall and contamination policies are meant to cover the costs of pulling products from the market, notifying consumers, and managing the fallout, but insurers frequently challenge whether a recall was "necessary" or dispute the scope of covered expenses. We help policyholders recover the full cost of protecting their customers and their brand.

Kidnap and ransom (K&R) events demand an immediate, coordinated response and the financial stakes are enormous. K&R policies cover ransom payments, crisis response fees, and related costs, but the confidential nature of these policies and the urgency of the underlying events can create distinct coverage disputes. We work with policyholders to navigate these sensitive claims and ensure that insurers honor their obligations when it matters most.

When a defective product injures consumers or triggers mass litigation, the resulting defense costs and settlements can threaten a company's survival. Product liability claims implicate CGL policies, excess towers, and sometimes dedicated product liability programs and insurers frequently dispute whether a known risk was disclosed, whether damages qualify as "bodily injury" or "property damage," and how to allocate costs across policy years. We recover for manufacturers, distributors, and retailers facing single-incident claims and multidistrict litigation alike, and we know how to maximize recovery across layered insurance programs.

Professional liability claims—whether alleging negligent advice, a missed deadline, or a flawed deliverable—can put a firm's reputation and balance sheet at risk. Errors and omissions policies are supposed to provide a safety net, but insurers often contest coverage by raising issues around prior acts, policy exclusions, or the definition of a "wrongful act." We recover for professionals across industries, from financial services and technology to architecture, engineering, and consulting.

Wildfires, hurricanes, tornadoes, equipment failures, and supply chain disruptions can shut down operations and wipe out revenue. Property and business interruption policies exist to make companies whole, but insurers routinely undervalue losses, dispute the period of restoration, or invoke exclusions for concurrent causes. We have assisted clients in some of the worst natural disasters and recovered for policyholders facing catastrophic property losses and complex business interruption claims, and we know how to build the case for full indemnification. We currently represent Hawaiian Electric Industries in the Lahaina Fire.

PFAS liability is a growing concern for policyholders across industries. If you are buying or selling real property and find PFAS, such as PFOA or PFOS, during an environmental audit, or are facing PFAS bodily injury lawsuits, we can assist with locating and securing insurance coverage. We will help you with claims under historic general liability insurance, or your modern pollution liability policies.

Representations and warranties (R&W) insurance has become a critical component of M&A transactions, but when a deal goes awry and losses emerge, R&W insurers frequently resist paying. Disputes over policy exclusions, materiality scrapes, loss calculations, and the scope of seller indemnities can turn a straightforward claim into a prolonged coverage battle. We represent policyholders in recovering under R&W and other transaction liability policies, ensuring that the coverage you negotiated as part of the deal actually delivers when a breach surfaces.

When a career-ending injury or illness triggers a player disability policy, the financial stakes are enormous—for the athlete, the team, and the franchise. Insurers often dispute the degree of disability, challenge medical evidence, or delay payment while careers and contracts hang in the balance. We represent professional and college teams and secure the full benefits owed under player disability and loss-of-value policies, cutting through insurer tactics designed to minimize or deny legitimate claims.

Wineries and beverage producers face a distinct mix of risks, from contamination events and product recalls to premises liability, crop loss, and regulatory actions. Standard commercial policies often leave gaps in coverage for spoilage, barrel damage, or supply chain failures specific to the industry. We help wineries, breweries, and distilleries secure coverage for the full range of claims they face and recover when insurers attempt to deny or limit payouts by invoking exclusions ill-suited to the realities of beverage production.