Insurance Coverage

Blau & Associates, P.C. provides timely and succinct coverage opinions to primary and excess insurance carriers and, when necessary, litigates declaratory relief, contribution and other coverage actions in various state and federal venues. Our firm has obtained favorable results in connection with equitable contribution and bad faith suits in several of the California, Nevada and Arizona federal and state courts, and has successfully negotiated resolution of countless coverage disputes to avoid otherwise protracted and costly litigation.

The firm takes pride in its efficient coordination with carriers, risk managers, claims adjusting firms, and retained defense counsel to proactively address and resolve coverage, contribution, allocation and additional insured issues. However, we do not shy away from litigation when necessary or otherwise appropriate from an economic standpoint, to support a company's policy, or to defend a program-wide coverage issue. Too often policy terms and coverage limitations, conditions and exclusions so carefully drafted and adopted by carriers are ignored or de-emphasized, especially in the construction defect and intellectual property realm. Similarly, the scope of carriers’ indemnity and coverage obligations to named and additional insureds are often confused, and the law misunderstood, misapplied, or both. This is particularly problematic when the insureds are real estate developers and/or home builders, or when the policy at issue is a WRAP or OCIP (Owner Controlled Insurance Program), but in any event is not acceptable, regardless of how pervasive the practice may be. Our attorneys are experienced and knowledgeable respecting the terms of the many different carriers' policies, the nuances of coverage law, the interplay between contractual and equitable obligations, and the nature and scope of carriers’ duties with regard to indemnity and defense.

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