As an insured in a liability policy, your insurance carrier must defend you in any third-party claim that creates the potential for coverage under the policy. Carriers often ignore their obligations and reflexively deny claims that should be covered. Having insurance coverage means you get defense (legal fees) and indemnity (settlement or judgment) paid on your behalf. This is the bargain you struck when you paid the insurance premium, and sometimes you have to fight your own carrier to enforce your rights.
Tom worked in insurance coverage for eight years, working for policyholders and insurance companies. He has sued carriers for bad faith and won, he has defended carriers accused of bad faith, and has written reservation of rights letters on behalf of carriers. Tom understands insurance coverage and he can pressure insurance carriers to do the right thing.
Tom is presently only accepting coverage representation on behalf of insureds, and he no longer represents insurance carriers.
Contact Tom through the form below to discuss your insurance coverage needs.
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