Insurance Coverage and Extra-Contractual Liability

Advisors and advocates, we’ve got you covered

Our insurance coverage team members are advisors and advocates for over two dozen carriers throughout the country including major national carriers such as Allianz, Argo, Fidelity National, Hartford, Travelers, Nationwide, Colony and the Berkley Companies.

Download PDF

Reach & Depth

Our insurance coverage team members are advisors and advocates for over two dozen carriers throughout the country including major national carriers such as Allianz, Argo, Fidelity National, Hartford, Travelers, Nationwide, Colony and the Berkley Companies. We have earned the trust of our clients through our consistent efforts to develop well-reasoned outcomes for insurance carriers in state and federal courts. Our team has handled insurance coverage and bad faith litigation ranging from relatively minor declaratory judgment actions, to major inter-company disputes, to the defense of multi-million dollar bad faith claims. Each member of our team has actual litigation experience outside of the coverage world, so we know what it is like to face high-dollar claims in the defense of product liability, professional liability and personal injury claims. This practical, real-world experience helps us temper our advice with a dose of reality, which gives us an added edge in resolving claims that involve disputed liability as well as coverage questions.

Insurance law operates at the crossroads of risk transfer concepts and the reality of litigation. Insurance professionals need reliable and trusted advocates that have both the intellectual rigor to understand the insurance issues presented by their cases and the experience to guide them through litigation that may be necessary to protect their rights. We welcome the opportunity to serve as your guide.

Collegiate Licensing Co. v. American Casualty Company of Reading, Pa., addressing the “First Filed Rule” to competing declaratory judgment actions in a complex insurance coverage matter

Cotton States Insurance Company v. Brightman, in which the Supreme Court of Georgia set forth the parameters of a “failure to settle” claim including the requirement that there be a demand within policy limits

Hoover v. Maxum Indem. Company, in which the Supreme Court of Georgia considered a bad-faith failure to settle claim involving preservation of coverage defenses

Scottsdale Insurance Company v. Great American Assurance Company, which addressed coverage for indemnity agreements under the “insured contract” exception to the contractual liability exclusion in CGL policies

Maxum Indemnity Company v. Jimenez, which involved whether a contractual liability for a subcontractor’s pipe instillation was a covered “occurrence” under a CGL policy

North American Specialty Insurance Company. v. Pen Pals Productions, LLC, which applied the “mobile equipment” exclusions in a CGL policy issued to a movie production company

Nationwide Mutual Fire Insurance Company v. Dillard House, Inc., which resolved whether an exposure to Legionnaire’s disease was a covered occurrence under a CGL policy

Our attorneys have decades of experience in insurance law and are leaders in the field. They are active members in the Insurance Law Committee of DRI – The Voice of the Defense Bar as well as PLUS, and they regularly publish articles and speak on insurance topics to stay abreast of the latest developments in coverage law and insurance products. One of our attorneys even holds a CPCU designation. Some of our recent articles have addressed whether (and when) insurers should split files between coverage and defense; the substantive and procedural requirements for preserving coverage defenses when defending under reservation of rights; and the evolving standards of the bad faith failure to settle claim.


Albert Alikin and Nicholas Directo obtained the dismissal of their client, an insurance carrier, in Nevada federal court in a lawsuit brought by the client’s insured seeking benefits under an occupational accident medical expense policy. The insured filed suit against the client alleging breach of contract and bad faith after the client denied the insured’s insurance claim seeking coverage for medical expenses resulting from a work-related accident that occurred over three years before the insured gave the client notice of the accident or his claim for benefits under the policy. The client’s policy contains a “sunset” provision which states that no claim is “considered valid and collectible unless full details of such claim are presented to” the client within three years of the date of the accident from which the claim arises. FMG filed a motion for judgment on the pleadings on the basis that the policy’s “sunset” provision is strictly enforceable because, unlike the usual “notice” provision in an insurance policy that requires a showing of prejudice to be enforceable, the “sunset” provision provides an explicit time limitation for the insured to tender a claim. FMG also argued that the policy’s “suit against us” provision barred the insured’s lawsuit. After a spirited debate on the issues between counsel, we convinced the insured’s counsel to dismiss our client with prejudice in lieu of opposing our motion and showing their “cards” to the other defendant carriers.

See More


Dana K. Maine, General Counsel

Dana K. Maine
General Counsel
Atlanta, GA

Click to see our team

Related News & Blogs

    • Rated by

      Super Lawyers Business Law

    • Recognized by

      Best Lawyers

    • Benchmark Litigation

      Star Litigator