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 Defense

Attorneys at Garrity Graham Murphy Garofalo & Flinn have been representing insurers (domestic insurers, international programs, specialty programs, Bermuda based or London based insurers or syndicates), self-insureds, TPAs, MGAs, Agents, Brokers and their insureds since 1971. Whether the Practice Area or Underwriting Area involves Casualty Loss, Commercial Loss, Construction Liability Loss, Employment Practices, Financial or Fiduciary Lines Loss, General Liability Loss, Operations Loss, Premises & Security Liability Loss, Products Liability Loss, Professional Liability Loss (Accountants, Architects and Engineers, Agents, MGAs and Brokers, Attorneys, Contractors, Directors & Officers, Errors & Omissions Loss, Healthcare and Allied Healthcare Professionals, Nursing Homes, Real Estate Agents and Brokers, and Trucking and Transportation Loss. We staff ourselves so that we can provide personal attention and coordination with our insurer clients and assist in controlling loss adjustment expenses as well as indemnity loss ratios. By staying at a moderate size and using a combination of experienced and youthful attorneys, we are capable of giving cases personal attention and timely reporting without charging the excessive hourly rates sometimes found with extremely large law firms.

In addition to being staffed with experienced insurance litigation defense attorneys with in-house, insurer/TPA/MGA/broker and outside counsel expertise handling, negotiating, resolving or trying to verdict insurance defense cases, we also have a dedicated staff of insurance coverage attorneys with national and international reputations. Rather than defense attorneys who occasionally handle a coverage opinion or bad faith litigation, our dedicated coverage attorneys headed by Francis X. Garrity provide full time expertise and an ability to quickly and succinctly answer your questions, provide an analysis or represent your company against unfair and unreasonable coverage claims.

To discuss your legal claims with our law firm, call 973-509-7500 or contact us via email or through this website.

Garrity, Graham, Murphy, Garofalo & Flinn, P.C. and its attorneys have spent over thirty years representing individuals involved in legal, personal or commercial disputes, premises liability suits, construction disputes and litigation, malpractice suits, catastrophic losses or personal injury suits – as well as many local, regional, national or multi-national corporations, MGA’s, Agents, third party administrators, insureds and/or  insurers defending claims for significant damages or injuries.  We take pride in providing targeted, aggressive and responsive representation and reporting and achieving superior results while contemporaneously keeping efficiency and quality in mind.

Our standard hourly rates within each of our specialties are competitive, particularly in light of the complexity of the issues and the expertise of the attorneys assigned.  On a client by client basis we also have the ability to enter into letters of intent or understanding with volume discount rates that are commercially competitive.

We charge only agreed rates and costs.  There are no hidden costs.   We bill at the rate of the attorney who does the work and not a supervising attorney.  We will bill for only one attorney working on a file at a time unless otherwise authorized by the client in advance.  We estimate and budget the cost of our services on all assignments.  Rather than assume authority, we specifically request it.  This allows our clients to control costs.

As a result of our familiarity with and participation on a variety of defense counsel panels, we are familiar with and comply with the fee structure and billing arrangements of a variety of underwriters and corporate clients and will gladly comply with all such specialized arrangements.

Garrity, Graham, Murphy, Garofalo & Flinn incorporates the latest developments in computer and communication technology applicable to the legal profession.  We employ sophisticated technology and are experienced in applying that technology to continuously improve and update the quality of legal services, reduce the long-term cost of defense, and improve litigation results.

Our office has electronic mail and desktop fax/modem capability and routinely assists clients with paperless file activities.  We will do what is necessary to give our attorneys access into your system.  You will be able to send and receive electronic messages, schedule/conduct meetings and exchange documents instantaneously.  We also maintain an on-site computer and technology expert to assist in smooth operations and data transmissions from the most sophisticated clients to the smallest individual clients.

Our case management and reporting system provides immediate access to information about the status of any case and an automatic means for providing quick, timely, low-cost status reports, utilizing Practice Master and other available software.  Garrity, Graham, Murphy, Garofalo & Flinn has experience in using case management and reporting systems developed by others, and in developing and implementing client-specific systems—including claims department and third-party administrators conversions.  We also have expertise with a variety of claims management programs and international communication systems.  We will work closely with you to create a system and relationship that will provide you with the information you need when you want it.

In addition to extensive internal electronic research materials, Garrity, Graham, Murphy, Garofalo & Flinn has access to LEXIS and Westlaw and a variety of national and international research databases.  We are member of a variety of associations including the Federation of Corporate Counsel, the International Association of Defense Counsel, FDCPA and Consumer Finance/Banking associations, various regional defense counsel associations, the Defense Research Institute,  the American Inns of Court, the Professional Liability Underwriting Society, and the Claims and Litigation Management Alliance.

Garrity, Graham, Murphy, Garofalo & Flinn conscientiously manages the use of electronic research databases to obtain legal support at minimum cost.  We pride ourselves on the ability to use technology to reduce client cost while increasing the efficiency and effectiveness of our legal representation.   We have been and remain committed to the sharing of non-confidential information and research with clients and underwriters within the confines of the attorney-client relationship and the Canons of Ethics.

All attorneys at Garrity, Graham, Murphy, Garofalo & Flinn are familiar with industry litigation guidelines.  Our lawyers understand the importance of complying with guidelines and have done so successfully and to the satisfaction of company and carrier auditors.  Bills are reviewed for accuracy and substance prior to submission to the client by the attorney in charge of the file, as well as the office administrator.

DRI fdcc njda

We visit our list of Practice Areas along with the individual attorney bios.  Obviously, this list and these descriptions cannot be all-inclusive but hopefully will provide some guidance to you with reference to those areas in which Garrity, Graham, Murphy, Garofalo & Flinn provides professional services.



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