Skill

legalcode-insurance-coverage-analysis

Analyze insurance coverage for claims and disputes across policy types — CGL, D&O, E&O/professional liability, cyber/tech E&O, EPL, property, and umbrella/excess. Evaluates duty to defend (broader than duty to indemnify), duty to indemnify triggers, coverage grant analysis against claim allegations, policy exclusion applicability (intentional acts, contractual liability, professional services, pollution, employment-related practices), notice requirements and late notice consequences, consent-to-settle provisions, hammer clauses, priority and exhaustion across policy towers, and reservation of rights implications. Covers bad faith exposure for insurer-side analysis. Use when a claim has been filed or threatened, when tendering a claim to insurers, when evaluating insurer coverage denials, when managing a coverage dispute, or when performing pre-dispute coverage mapping. Produces a structured coverage opinion framework with findings classified COVERED / DISPUTED / EXCLUDED and strategic recommendations. Jurisdiction-calibrated for US, UK, and Australia.