Armstrong Teasdale’s Insurance Coverage and Litigation group represents insurance companies and policyholders in coverage and insurance disputes arising under virtually every type of policy form. We represent clients at every stage of complex coverage and claims litigation—from initial policy interpretation and tender of defense through appeal. We frequently act as counsel in coverage disputes, including but not limited to claims involving:
- Automotive policies
- Commercial general liability policies
- Directors and officers coverage
- Employment and vicarious liability claims
- Environmental liability coverage
- Errors and omissions policies
- Excess liability policies
- Intellectual property disputes
- Life insurance
- Health insurance
- Disability insurance
- Employee Retirement Income Security Act of 1974 (ERISA)
- Plan Administrators
- Third Party Administrators (TPA)
- Self Insured Retentions (SIR)
- Agents, Brokers and Producers
- Product liability coverage
- Professional liability coverage
- Property and premises liability policies
- Real property disputes
- Title insurance
- Trade regulation coverage
- Uninsured and underinsured motorist coverage
Armstrong Teasdale has a wealth of experience providing opinions relating to coverage issues, as well as representing insurers and insureds in bad faith litigation, declaratory relief actions, vexatious refusal claims, contribution actions and other disputes between carriers. We regularly handle interpleader claims, administrative and regulatory proceedings, premium fraud litigation, sales practices and market conduct cases, including class actions and RICO cases, subrogation and extra contractual claims.
Our attorneys include seasoned trial lawyers and lawyers experienced in reinsurance arbitration. We are routinely engaged by insurers and reinsurers to take over and try cases that other firms initially handled, and to manage the appeals of cases other firms litigated in trial courts. We pride ourselves on prompt and efficient results for underwriters, brokers, agents, claims adjusters, corporate risk managers, and individual insureds.
With respect to insurance issues, we can evaluate a client’s insurance needs before a loss occurs or litigation is initiated. In doing so, we provide a thorough assessment of carrier obligations under all applicable policies, endorsements and exclusions. We counsel clients concerning the purchase and renewal of insurance, advise on specific policy forms, conduct risk management audits, analyze whether coverage exists for a particular claim and, when appropriate, negotiate coverage disputes.
Several of the members of our group have extensive experience in claims relating to life, health and disability insurance and employee benefit plans relating to same. Our Insurance Coverage and Litigation practice group represents four out of the top five life insurance companies operating in Missouri, and two of the top life insurance companies operating in California. We are proud to represent a significant number of A.M. Best’s Top 50 life/health insurance companies.
In addition to representation in benefits litigation, we also advise clients on strategies for dealing with Department of Insurance matters. Among the group’s members is a former attorney with the Missouri Department of Insurance, whose experience provides additional value to our representation on regulatory and compliance issues.