Insurance Coverage

The Farella Braun + Martel Insurance Practice Group is one of the first practice groups to form in California devoted to recovering insurance money for our clients. Our 13 lawyers and two risk management professionals are committed to representing policyholders in coverage disputes and litigation. We also provide advice on insurance programs, policy drafting and risk management. Our partners average over 20 years of experience practicing together at Farella almost exclusively in this field. We are a collaborative group; with any one of us, you retain the combined knowledge and skill of the entire Group.

We deliver unparalleled leadership and experience, based on the breadth and depth of our work in policy interpretation and advocacy, as well as in the insurance industry and the claims resolution process, to find coverage where others cannot. The insurance coverage lawyers at Farella provide litigation and trial expertise but just as importantly, we offer efficient solutions. We fashion specific alternative dispute resolution and case management mechanisms whenever possible. Widely recognized in the legal community for its creativity and insight, the Group finds the maximum value in the policies that are in dispute and brings that money home to its clients. The Group’s knowledge of the insurance industry, combined with well-honed advocacy skills, make us a formidable force in the courtroom when disputes cannot be resolved short of litigation.

The effectiveness of the Group’s strategic approach is regularly validated by large monetary payments from carriers to the firm’s clients. Our senior lawyers educate the client and defense counsel on how to best position a lawsuit to maximize liability coverage. We work with mediators to make sure they understand the coverage issues and how these issues apply to the dynamics of the case at hand. In property damage and business interruption claims, we counsel the client and its risk management and forensic team to secure all of the coverage the policy provides.

We have assisted clients in asserting claims for a wide variety of exposures, including securities fraud and other corporate directors’ and officers’ liabilities, technology and professional errors and omissions claims, data privacy breaches and other cyber liability risks, products liability, aviation losses, intellectual property disputes, environmental liabilities, employment litigation, construction delay and defects claims, and disasters like earthquakes, fires and floods. The Group also advises private businesses and public entities regarding risk management programs, such as the evaluation of current or proposed insurance programs, captive insurance programs, owner-controlled insurance programs, environmental remediation protection and other risk management and risk transfer devices.

We understand not just the legal leverage points, but how insurance companies make decisions. We know the policies and the history and thinking behind policy language. We also follow new trends and emerging issues, staying on top of the ever-changing insurance market and legal landscape. The Group maintains a blog – The Policyholder Perspective – dedicated to providing comments and insights on issues of importance to anyone interested in commercial insurance coverage (www.farellacoveragelaw.com). Above all, we understand our clients’ interest in a cost effective, resolution-oriented approach that maximizes the insurance recovery. We devote ourselves to obtaining that result.