You Deserve The Insurance Coverage You Paid For
When you or your organization purchase insurance, you rely on that insurance to be there when you need it. Insurance policies are complex documents that are too often open to interpretation, especially after a claim has been filed. Individuals and businesses that rely on the promise of coverage can be at an extreme disadvantage when the company that drafted the agreement hedges on its contractual duty. Since 1980, Herold Law, P.A., has represented individuals, corporations and government sectors in disputes with insurance companies to enforce our clients’ rights under their policies.
Vast Experience Managing Coverage Disputes For A Variety Of Policies
Our insurance attorneys have in-depth knowledge of New Jersey’s statutes and regulations relating to the duty to defend, claims handling, claims discovery, policy form approval, bad faith, New Jersey’s Unfair Claims Settlement Practices Act and other coverage issues. Our firm has substantial experience litigating coverage disputes involving a variety of insurance policies, including:
- Commercial, property and casualty
- Directors and officers
- Errors and omissions
- Fiduciary liability
- Public officials and employment liability
- Premises liability
- Professional liability
Representation Of Public Entities In Insurance Disputes
Public entities have retained the attorneys at Herold Law as special counsel in insurance matters involving public officials and employment liability policies, commercial general liability and environmental coverage policies. We have extensive knowledge of the insurance programs offered by New Jersey’s Municipal Excess Liability Joint Insurance Fund (“MEL”) and the Plan of Risk Management of the Joint Insurance Funds, as well as the commercial markets that service public entities.
In a noteworthy case, one of our attorneys acting as special insurance counsel secured a substantial liability award for a municipality originally denied insurance benefits. A panel of arbitrators determined the insurer had improperly denied coverage under a Public Officials and Employment Liability policy. A later ruling awarded the municipality consequential damages, including prejudgment interest and legal fees. In another case, following an extensive legal fee application hearing, one of our attorneys secured an arbitration award in excess of $2.2 million. In a separate arbitration, another of our attorneys obtained a ruling favorable to our government entity client that a sublimit was void and unenforceable as against public policy as a matter of law.
Schedule A Consultation
When insurance disputes arise, the attorneys at Herold Law, P.A., help our clients get the coverage they contracted for. To speak with an experienced insurance law attorney, call our Warren office at 908-647-1022 or contact us online to schedule a consultation.