Coverage disputes often turn on careful policy interpretation and timing.
Cassidy Coates Price represents insurers in coverage matters involving automobile, homeowners, and commercial insurance policies. Our attorneys regularly provide coverage analysis, draft coverage opinions, and prepare reservations of rights and coverage disclaimers on behalf of insurance carriers. We work closely with claims professionals to evaluate risk early and support informed decision‑making.
Coverage disputes may escalate into litigation, including declaratory judgment actions seeking judicial interpretation of policy terms. Litigation can also arise when insureds assert claims against carriers in connection with disputed coverage determinations. In these matters, we combine careful policy analysis with strategic litigation experience to protect insurers’ contractual rights and business interests.
Our Insurance Law practice focuses on three core areas: Insurance Coverage Analysis, Insurance Disputes, and Insurance Litigation.
Insurance Coverage Analysis
Understanding the scope and limitations of insurance coverage often requires careful analysis of policy language, endorsements, exclusions, and applicable law. Our attorneys evaluate coverage issues to determine whether claims fall within policy terms and advise insurers accordingly.
We assist carriers with coverage analysis and opinions involving a wide range of insurance products, including commercial policies, professional liability, errors and omissions, automobile coverage, health insurance, and disability insurance. Our work emphasizes accuracy, clarity, and defensible coverage positions.
Insurance Disputes
Insurance disputes frequently arise from differences in policy interpretation, factual disputes, or allocation of risk. We represent insurers in disputes involving property damage, commercial liability claims, breach of contract allegations, and claims arising from catastrophic events.
Our attorneys understand the operational and financial pressures insurers face and work efficiently to resolve disputes while protecting coverage positions and minimizing exposure.
Insurance Litigation
Cassidy Coates Price handles insurance litigation in a wide range of matters, including coverage disputes, declaratory judgment actions, first‑party claims, and bad‑faith litigation. We also defend insurers in matters involving personal injury defense, automobile insurance defense, and premises liability defense.
We represent insurance carriers in state and federal courts and are prepared to resolve matters through settlement, alternative dispute resolution, or trial, depending on the circumstances and strategic objectives of the insurer.
Our Insurance Law Services include:
- Property damage claims
- Bodily injury claims
- Products liability
- Professional liability
- Theft and fraud claims
- Errors and omissions
- Additional insured status disputes
- Bad‑faith claims
- Coverage analysis and opinions
- Reservation of rights letters
- Coverage disclaimers
Insurance Law Frequently Asked Questions
Coverage in any given matter is determined by the specific terms of the insurance policy, including the insuring agreement, endorsements, exclusions, and definitions, as well as relevant application materials and other policy documents. An analysis of these materials is necessary to determine both the existence and scope of coverage.
Available coverage is typically reflected on the policy’s Declarations Page. However, applicable South Carolina law, policy provisions, endorsements, exclusions, and aggregate limits may affect the amount of coverage available in a particular matter. Each claim requires an individualized coverage analysis to determine applicable limits.
An insurer’s duty to defend is generally determined by comparing the allegations in the underlying complaint with the terms of the insurance policy. Policy conditions, limitations, and exclusions, as well as the specific facts and procedural posture of the case, may affect whether a defense obligation is triggered. We assist insurers in evaluating defense obligations and related coverage issues at the earliest opportunity.
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