We ensure that you receive the full value of your insurance coverage
Insurance coverage claims can be complex, and the stakes are often high. For over 35 years, Shumaker's insurance recovery attorneys have assisted policyholders in navigating their insurance claims to maximize their net recovery, in amounts ranging from hundreds of thousands to hundreds of millions of dollars. The breadth and depth of our experience in this area, paired with our long record of success, place us among the leading policyholder coverage firms in the country.
Our insurance coverage clients include both public and private companies in many industries and of all sizes, from closely held corporations to Fortune 100 Companies. In our capacity as coverage counsel, Shumaker provides a full range of advisory and litigation support services. We routinely assist our coverage clients in the following ways:
Claims Assistance and Coverage Litigation: Our attorneys assist clients in all aspects of insurance claims, including notice, responding to denials or reservations of rights, and litigating coverage disputes where necessary.
Indemnities/Additional Insured Coverage: On insurance programs where our clients maintain large self-insured retentions or have shifted risks by contract, our lawyers are frequently called upon to assist in protecting our client's rights under contractual indemnities and/or insurance policies where the client is named as an additional insured. Our team has extensive experience in coordinating communication, defense, and settlement strategies in matters involving multiple parties and/or multiple insurers.
Historical Coverage Programs: Our lawyers have significant expertise in long-tail environmental and products liability insurance coverage claims and have litigated multiple claims in many states involving coverage for legacy pollution and personal injury claims.
Commercial Contracts: We routinely assist our clients in drafting contractual risk shifting provisions, including indemnity and additional insured protections, ensuring that risk is effectively transferred or managed in commercial contracts such as distribution agreements, leases, service contracts, construction agreements, and purchase/supply agreements.
Corporate Transactions: Our insurance coverage attorneys frequently participate in Shumaker's mergers and acquisitions teams, assisting in insurance due diligence, procurement of tail coverage as appropriate, and the negotiation and binding of representations and warranties coverage.
Policy Placement and Underwriting: Our attorneys assist clients in understanding the coverage afforded by particular policies to manage risk, particularly in circumstances where the coverage provided can vary significantly (i.e., cyber coverage, contractors/pollution legal liability, cargo/stock throughput). Shumaker also assists in the creation and administration of captive and fronting insurance programs.
Our coverage attorneys regularly represent clients in litigation across the country in both state and federal courts. We have experience with numerous types of insurance coverage, including general liability (products liability, construction, long-tail toxic tort, and environmental), property/business interruption, management liability/directors & officers, cyber, crime, representations and warranties, professional liability/errors and omissions, pollution/environmental, employment practices and stop-gap, stop-loss, commercial auto, intellectual property, and maritime, cargo, and stock throughput.
Shumaker's insurance coverage practice is ranked Band 1, Insurance (Ohio) by Chambers & Partners. Our robust roster also includes lawyers certified by the Ohio State Bar Association as Specialists in Insurance Coverage Law, as well as multiple lawyers selected by Best Lawyers in America and Ohio Super Lawyers.
