Insurance Coverage

Our insurance coverage practice provides sophisticated legal counseling, policy analysis, and litigation services to insurance companies and businesses throughout Colorado, the Western United States, and beyond. We regularly work with national and international insurance carriers, corporate executives, general counsel, claims professionals, and risk managers to evaluate complex coverage questions, assess potential exposure, and develop practical strategies for resolving insurance disputes.

Our attorneys have extensive experience across a broad range of insurance policies and coverage lines, including commercial general liability, commercial and personal automobile, uninsured and underinsured motorist, rideshare, trucking and transportation, commercial and residential property, businessowners, professional liability, errors and omissions, environmental liability, builders risk, OCIP and CCIP programs, excess, and umbrella policies. We regularly analyze claims-made and occurrence-based policies, endorsements, exclusions, conditions, and other contractual provisions, including complex issues involving multiple insureds, overlapping policies, and competing coverage obligations. Our experience also extends to reinsurance-related coverage issues and disputes.

We advise insurers concerning their duties to defend and indemnify, additional insured status, contractual indemnification, priority of coverage, allocation of defense and indemnity obligations, policy exhaustion, contribution, subrogation, and disputes between primary and excess carriers. Our attorneys evaluate coverage issues involving catastrophic bodily injury, wrongful death, construction defects, property damage, professional negligence, business torts, and other significant exposures. We also address policy exclusions, notice and cooperation requirements, material misrepresentations, rescission, reformation, and other issues affecting coverage obligations.

Our attorneys regularly prepare comprehensive coverage opinions, reservation of rights letters, coverage position letters, and declination letters. We assist insurers throughout the claims process, from initial investigation and coverage evaluation through litigation, settlement, and appeal. When disputes arise, we represent clients in declaratory judgment actions, rescission and reformation proceedings, equitable contribution and subrogation claims, and other coverage litigation in state and federal courts. Our experience includes complex disputes involving multiple insurers, additional insureds, contractual risk transfers, and the allocation of defense costs and indemnity obligations.

Our practice also encompasses first-party property claims involving construction and engineering defects, natural disasters, fires, structural collapses, water intrusion, theft, and other causes of loss. We assist with coverage investigations, examinations under oath (EUOs), document requests, and coordination with forensic experts, independent adjusters, and special investigation units (SIUs) to evaluate complex claims and coverage questions.

Drawing on our extensive experience in insurance defense, coverage analysis, and litigation, we understand the relationship between underlying claims and contractual insurance obligations. Our attorneys provide thorough legal analysis, clear communication, and practical recommendations designed to protect our clients' interests, manage financial exposure, and achieve efficient, commercially sound resolutions.