Business Insurance Coverage & Defense

Insurance coverage disputes require precision, strategy, and deep knowledge of complex policy language. At Pearl Legal, our insurance coverage and defense attorneys represent policyholders, corporate clients, and insurers in a wide range of coverage and litigation matters including first- and third-party claims as well as appellate advocacy.

Led by Jenifer Pearl, Chair of Pearl Legal’s Insurance Practice Group, our team has extensive experience handling claims involving property-casualty, bodily injury, product liability, property damage, advertising, and personal injury across all major policy types, including personal auto, homeowners, and commercial general liability (CGL) insurance.

We are retained and trusted by numerous insurers and business clients to provide strategic, results-driven representation at every stage of coverage and defense matters including high-stakes litigation and trials.

Contact Us for Premier Insurance Coverage & Defense Services

Our experience includes:

  • Claims Defense

    – Representing insurers and policyholders in liability, indemnity, and coverage disputes, including declaratory relief and bad faith claims.

  • Litigation and Dispute Resolution

    – Skilled in mediation, arbitration, and trial, achieving efficient and favorable outcomes in contested coverage matters.

  • Risk Management and Preventive Counseling

    – Advising insurers and businesses on how to best utilize their coverage and mitigate future exposure.

  • Policy Interpretation and Coverage Analysis

    – Delivering clear, reliable guidance on complex policy language, endorsements, and exclusions to ensure clients fully understand their rights and obligations.

  • Coverage Opinions and Correspondence

    – Preparing detailed coverage opinions, reservation of rights, and declination letters with precision and clarity.

  • Equitable Contribution and Subrogation

    – Handling complex multi-party coverage disputes and recovery actions between insurers and insureds.

  • Appellate and Panel Representation

    – Advocating for clients before state and federal appellate courts, ensuring consistent and informed defense at every level.
At Pearl Legal, we combine deep legal expertise with strategic insight to help clients resolve disputes efficiently and confidently. Our attorneys are recognized for thorough case analysis, strong advocacy, and clear communication, providing clients with the assurance that their coverage issues are handled with precision, professionalism, and purpose.