Policyholder Coverage

Rather than promptly honoring valid claims, insurance carriers often attempt to disclaim their policy coverage obligations. Goldberg & Connolly's Policyholder Coverage Group represents insured entities in disputes where their insurance carrier has engaged in such practice. We assist insurance policyholders in leveling the playing field by enforcing the terms of CGL and/or first-party property-related policies. We assist clients in obtaining the full policy benefits for which they have paid their premiums. We represent only policyholders; we do not represent insurance carriers in coverage disputes.

Maintaining insurance coverage is an essential asset protection strategy for any viable business. In the construction industry, however, it must be a priority given the inherent risks of construction.

Our attorneys work with insurance brokers and agents, corporate risk managers, public adjusters and our clients' financial professionals and in-house counsel to resolve insurance coverage claims. We help structure strategies to compel insurers to assume full coverage responsibility when and where they should.

When our clients face significant third-party liability exposure, we take measures on their behalf to ensure that insurers live up to both their defense and indemnity obligations. We routinely enforce coverage rights under liability policies of all types, including CGL, umbrella and excess, as well as other specialty liability policies. We are often called upon to defend our clients' interests in Labor Law 240/241 (New York's "Scaffold Law") actions when unjustified coverage disclaimers by compensated carriers leave policyholder companies at risk. Similarly, when our clients suffer first-party property or business losses, we also enforce carrier indemnity obligations under applicable commercial property policies, such as Builders Risk.

Goldberg & Connolly attorneys have written many articles on insurance coverage issues. Many of these articles have been published in insurance industry journals and are posted on our website. To access Goldberg & Connolly articles please click here.