Insurance Coverage

Luvaas Cobb has its roots in matters of insurance. Today, the firm continues to defend individuals in coverage disputes with their insurance carriers while also assisting insurance companies in evaluating obligations to their policyholders.

Representing both insurers and policyholders allows our attorneys to recognize the facts and issues from any side of an insurance coverage issue. Our lawyers represent insurers proving the scope of intended coverage, as well as individual persons wrongly denied coverage or with unexpected personal exposure beyond their insurance limits. The firm consults or associates with other attorneys who wish to retain the firm’s advice on matters of insurance woven into personal injury and wrongful death claims, professional malpractice problems, contractor liability or construction disputes.

We handle declaratory proceedings to determine the extent of insurance coverage provided by a policy. Some cases include declaratory actions on multi-million dollar exposure under general liability policies issued to contractors or professionals. Other cases involve individual claims by an insured person against an insurance company.

Our practice is involved with all forms of casualty insurance — general liability, auto or truck liability, homeowners coverage, excess or umbrella policies, and professional liability. On occasion, our attorneys have also worked with disability, fire, life and health insurance.