Often in today’s sophisticated insurance environment, litigation brings about insurance coverage issues. Most serious personal injury claims, or substantial property damage issues, are accompanied by multiple actual or alleged sources of recovery. Each of these sources must be considered for purposes of response to, or satisfaction of, the claim. Alternatively, when faced with large, potentially uninsured claims, individuals, businesses and insurers are inevitably required to resolve coverage issues that will have significant financial impact on each of them. Whether a construction claim requires analysis of indemnification provisions between the owner, general contractor and sub-contractors, or whether additional insured provisions require in-depth policy interpretation, the proper assessment of indemnity and coverage issues is essential to the determination of the allocation of loss.
By addressing these issues at the beginning of every claim, Perez Morris works to minimize exposure to its clients by coverage identification and tender options. Equally important is preparing defenses for cross-tenders and contested indemnification claims from the outset. Although most coverage issues can be resolved through formal and informal pre-litigation communication, Perez Morris is experienced in pursuing and defending necessary declaratory judgment actions if pre-suit discussions are unsuccessful. Ultimately, Perez Morris strives to identify the relevant insurance coverage issues presented by a claim, advise the client of all meaningful options available to resolve the claim, and execute client decisions towards a satisfactory handling and closure of the claim in an efficient manner.
By practicing in trial and appellate courts throughout Connecticut, Massachusetts, New Jersey, New York Ohio and Pennsylvania. Perez Morris has the experience to understand the jurisdictional characteristics that may influence litigation as well as how a coverage action may be perceived in a particular setting. In addition, with the availability of state of the art litigation and trial resources, Perez Morris stays current with the most recent insurance coverage trends.