Insurance Coverage

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.

Our coverage experts are experienced with all forms of primary, excess and reinsurance policies (domestic and international) in each of the Areas of Practice of the firm, as well as specialized programs of insurance and programs of self insurance or captive insurance. Our experience includes drafting and modifying policies, coverage analysis and bad faith litigation challenges.

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Insurance Coverage Related Litigation

Experience in:
  • Representing Insureds
  • Representing Insurers
  • Representing Reinsurers
  • Insurance Policy or Program Drafting or Negotiation
  • Claims Professionals
  • Insurance Programs
  • Captive Insurance Programs
  • Self Insured Entities
  • Insurance Agents and Brokers
  • Risk Managers
  • Third Party Administrators
  • Underwriters
  • CGL
  • Umbrella and Excess
  • Cyber
  • Errors & Omissions and Officers and Directors
  • Financial Lines
  • Fiduciary
  • Professional Liability
  • Trucking & Transportation
  • Marine