# Insurance coverage analysis
> Source: https://legalcode.md/skills/legalcode-insurance-coverage-analysis | [HTML version](https://legalcode.md/skills/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.

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.

Use this skill to produce a structured, defensible insurance coverage analysis that evaluates whether one or more insurance policies respond to a pending or threatened claim. The output is a coverage opinion framework supporting decisions on tendering, accepting, defending, or denying claims, and on managing insurer relationships across a policy tower. **Covers:** - Policy architecture mapping: identify all potentially responsive policy types - Coverage grant analysis: match claim allegations against each insuring agreement - Duty to defend analysis (broader standard) vs. duty to indemnify analysis (narrower standard) - Exclusion applicability matrix: evaluate each material exclusion against claim facts - Notice requirement compliance and late-notice consequence analysis - Consent-to-settle provisions and hammer clause risk - Policy tower priority, exhaustion, and "other insurance" clause conflicts - Reservation of rights framework: when to reserve, how to reserve, consequences of inadequate reservation - Bad faith exposure screening: for insurer-side practitioners evaluating claims handling exposure - Coverage opinion framework with COVERED / DISPUTED / EXCLUDED classification - Multi-policy coordination: primary, excess, umbrella, and DIC coverage interplay - Claims-made vs. occurrence trigger analysis including tail coverage gaps **Does not:** - Draft demand letters, complaints, or coverage litigation pleadings (see `legalcode-demand-letter-drafter`, `legalcode-complaint-drafter`) - Perform full actuarial reserve ...

## Jurisdictions

Global



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