Insurance Coverage

McGivney, Kluger, Clark & Intoccia successfully represents many of the nation’s largest insurers. We are proud that our relationships with insurers have been long-lasting since the firm’s founding more than 30 years ago. We handle a wide variety of insurance coverage law matters including casualty coverage under commercial general liability policies, umbrella and excess policies; employment practice liability insurance; extra-contractual and bad faith; personal lines coverage for home and auto; professional liability coverage; first-party property and financial fraud coverages; reinsurance; and specialty coverage lines such as employee theft and other financial fraud crime coverage claims under financial institution bonds and policies, and catastrophic loss events such as flooding and named windstorms (hurricanes).

Our coverage attorneys also practice in all aspects of insurance litigation, including the following :

• Litigation and Dispute Resolution. We handle every form of dispute resolution, including negotiation, mediation, arbitration and litigation – anywhere in the country.
• Coverage Advice. We answer coverage questions and develop prudent claims handling strategies. Our attorneys successfully resolve insurance claims before policy holders resort to litigation.
• Policy Wording. We draft language for policies including those concerning new or industry-specific issues to ensure our clients anticipate, evaluate and insure against ever-changing risks.
• Coverage Investigation and Analysis. We provide a wide range of services to our insurance company clients, including the investigation, handling and resolution of complex first-party insurance coverage claims, including Business Income or Time Element losses, Loss of Utilities, Employee Theft losses or Fidelity claims, involving embezzlement, fraudulent or fictitious invoice schemes and inventory theft, as well as financial institution fraud crime coverages involving Computer Fraud, Fund- Transfer Fraud , Social Engineering and Cyber Fraud, Forged Instrument and Ponzi and other investment schemes.

Regardless of the type of coverage at issue or the posture of the claim, McGivney Kluger Clark & Intoccia’s strategies are practical and proven. We have handled coverage claims in various jurisdictions across the country. Our track record includes litigating and advising clients on coverage claims involving: complex financial frauds; additional insureds; transportation; catastrophes (hurricanes, earthquakes, and floods); construction defects; personal and advertising injury; pollution, mold, asbestos and other toxic torts; and premises liability.

Our coverage law attorneys also address a wide range of claims under Employment Practice Liability Insurance (EPLI) coverage, such as sexual harassment, discrimination, and retaliation, as well as professional liability claims concerning: architects and engineers; attorneys; design professionals; insurance professionals; real estate agents and brokers; and others. We also represent insurers on property coverage disputes arising from virtually every peril.

Another critical part of our insurance coverage practice deals with representing insurers facing extra-contractual and bad faith claims . We do so regularly in various jurisdictions across the country. McGivney Kluger Clark & Intoccia assists its clients with implementing internal procedures in order to avoid potential bad faith claims. However, if and when such claims are made, we help insurers effectively respond to them.

In its representation of  insurers in the context of first party claims and litigation, including  complex property claims, fidelity and surety insurance claims, including financial and securities frauds, employee dishonesty cases and other specialty claims, the firm  works hand in hand with client claim representatives, forensic accountants and other professional consultants in performing these services to provide advice to our insurer clients.

The firm also has expertise in representing  its insurance company clients in subrogation actions, with expertise in seeking recovery from responsible third parties for complex property damage losses and damage to fine works of art.

Our coverage practice experience has resulted in a document database compiled of virtually every coverage issue in nearly every state as well as claims made to our carrier clients in other countries. This makes McGivney Kluger Clark & Intoccia uniquely qualified to address the broad range of coverage claims no matter where they may arise and no matter under what type of policy coverage may be sought. This enables us to handle the investigation of a broad array of claims and in rendering coverage analyses for our insurer clients, regardless of the size or location of the claim, along with any litigation which may ensue.