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Jenifer A. Pearl


Jenifer focuses her practice on insurance coverage and defense as well as employment law and litigation.

Jenifer is the chair of Pearl Legal, APC’s Insurance Practice Group. Her practice includes litigation and counseling relating to first- and third-party property-casualty issues, bodily injury, property damage, advertising and personal injury coverages, involving all types of insurance policies, including personal and commercial auto, homeowners, and CGL. She has experience analyzing claims for coverage, pursuant to the policy's specific language and endorsements, drafting coverage opinions, reservations of rights and declination letters, as well as the litigation of insurance coverage matters, including declaratory relief, equitable contribution, subrogation and bad faith claims.

Jenifer’s experience includes a broad range of issues critical to insurers, including determinations of the duty to defend and indemnify under both primary and excess/umbrella policies, additional insured issues, rights to independent counsel, agency issues, rescission, contractual liability claims, contribution claims and the multiple theories of allocation used therein, subrogation, tender issues, triggers of coverage, exhaustion, duties of the insured, aggregate issues, occurrence theories, apportionment amongst carriers, exclusionary clauses of all types, reimbursement rights of both carriers and insureds, notice issues, policy interpretation and "other insurance" disputes.

Jenifer also has experience at the appellate level, including writ petitions and appeals as handles the firm’s appellate matters in both state and Federal appellate courts.


Practice Area

Employment and Insurance Coverage and Defense
Labor and Employment



Undergraduate: Stetson University (1996)
Law School: University of Pittsburgh School of Law, Cum Laude (2003)


Bar Affiliations/Memberships

State Bar of California
All California Federal District Courts
Ninth Circuit Court of Appeal


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