Insurance Liability Defense
Bailey, Kelleher & Johnson, P.C. is well-versed in matters concerning insurance policy coverage and serves as coverage and defense counsel for insurance companies.
Coverage questions
The language of insurance policies is complex and varies from policy to policy. Automobile, homeowners, premises liability, and all types of commercial insurance policies have conditions and limitations regarding coverage. In many cases, prior court decisions determine how specific words and terms in an insurance policy are defined and interpreted.
Bailey, Kelleher & Johnson, P.C. provides answers to complicated questions about the legalities and obligations of insurers and insureds.
The firm's attorneys evaluate the language and provisions of an insurance policy to ascertain the existence, extent, and requirements of insurance coverage for a given situation.
Property loss: first- and third-party claims
Property loss claims in New York range from matters as simple as damage to a car in an intersection fender-bender to as complex as a large fire loss to a commercial or industrial structure.
Property loss claims can be first-party claims or third-party claims:
- A first-party claim is made by a policy holder directly against their insurance carrier.
- A third-party claim is one made against an insured and in which the carrier is obligated to defend and indemnify the insured by virtue of an insurance policy.
Bailey, Kelleher & Johnson has extensive experience defending carriers for substantial first- and third-party claims. The firm's attorneys have handled claims that involved not only property loss, but also claims of business interruption and lost profits.
Subrogation claims
Bailey, Kelleher & Johnson, P.C. also prosecutes subrogation claims on behalf of insurance companies. These claims typically occur after an insurance company has compensated their insured and then subrogate the rights to recover losses from the party legally responsible for the damages.
The firm has negotiated substantial subrogation settlements and has tried several large subrogation cases to a jury verdict in favor of insurance clients.
Contact the firm today
For counsel regarding coverage opinions and coverage advice, contact Bailey, Kelleher & Johnson, P.C. today.
