Contact Us

40 Wall Street
28th Floor
New York, NY 10005
72 Eagle Rock Avenue
Suite 350, P.O. Box 438
East Hanover, NJ 07936


Insurance Coverage

Insurance CoverageOur firm also specializes in disputes between individuals and businesses involving Insurance, declinations of insurance, denials of insurance coverage, declaratory disputes between Insurers, interpreting the terms and conditions of policies of insurance and endorsements and exclusions to policies of insurance, insurance programs, lines of insurance business, and bad faith claims and litigation. We are experienced with automobile insurance, truckers insurance, cargo insurance, commercial general liability insurance, home owners insurance, life insurance, professional malpractice insurance, fidelity and financial lines insurance, FDCPA insurance, employment related insurance, environmental and gasoline or oil tank insurance, construction and contractors insurance, OCIP and wrap-up insurance, primary insurance, excess and umbrella insurance and reinsurance treaties and facultative contracts.

Our clients include some of the world's largest insurance underwriters. Our attorneys have significant and varied backgrounds and experience in the New Jersey and New York litigation industry and in insurance coverage disputes involving primary, excess and reinsurance participants and layers. We are familiar with and have participated in the drafting of a variety of underwriting contracts of insurance, and we bring a wealth of knowledge of the insurance industry and reinsurance industry, both domestic and international, to bear for the benefit of our clients. In fact, our attorneys have been involved in due-diligence audits and inspections of carriers, claims departments, third party administrators, self insured claims operations, and law firms, as well as acting on behalf of underwriters with regard to commutation negotiations with insureds.

In today's world of technology, Garrity, Graham, Murphy, Garofalo & Flinn maintains a computerized insurance-coverage and policy-form database. We have access to a variety of legal databases and systems that consistently allow automatic retrieval of information and documents with great speed and efficiency. This provides a unique resource for our coverage clients, enabling us to brief issues effectively and engage in discovery with the largest of regional, local and national law firms.
We do not operate like a large firm, where coverage disputes and litigation are handled through the use of many paralegals, law clerks and associate attorneys, resulting in excessive legal expenses. Nor do we operate like a small firm, where clients are treated as volume business. Our size allows us to provide clients with the type of personal, hands-on attention and to handle our clients' problems efficiently and effectively.

Garrity, Graham, Murphy, Garofalo & Flinn and its partners have unparalleled expertise in civil litigation should it come to pass that an insurance coverage dispute requires resolution by jury trial presentation. We have tried cases involving asbestos, toxic torts, environmental contamination and remediation, breast implants, polybutylene pipes, diet drug, construction, professional liability, E&O and D&O, financial and surety products, latex and a host of similar matters.

When presented with complex disputes involving bad faith or coverage, do not rely upon a general defense firm with only a working knowledge of coverage. Instead, look to Garrity, Graham, Murphy, Garofalo & Flinn to protect your interests.



The law offices of Garrity, Graham, Murphy, Garofalo & Flinn provide legal services throughout the State of New Jersey including Bergen, Essex, Hudson, Morris, Union, Middlesex and Passaic counties. Our attorneys specialize in the areas of Automobile Defense Litigation, Construction Law, Corporate Defense, Employment-Related Practices, Environmental Law, Toxic Tort and Multi-District Litigation, Estates and Trusts, Family Law and Divorce, Healthcare Malpractice, Hospital Professional Liability, Insurance and Reinsurance Coverage and Litigation, Pharmaceutical and Medical Device, Premises and Security Liability, Product Liability, Professional Liability, Real Estate and Transportation Law