Insurance

The skilled attorneys at Naman Howell represent insurers and reinsurers in all aspects of their business, from claims counseling, litigation, and arbitration, to business transactions and tax matters, regulatory issues, and government relations.  With offices throughout the state of Texas and a nationwide reach we can seamlessly provide services to our clients anywhere in the country. 

Our attorneys represent commercial insurers in matters involving primary, umbrella, excess, surplus lines, and reinsurance. Our firm has the experience carriers need in a wide variety of coverages, including property and casualty, life, health and disability, professional liability, and directors and officers liability.

Claims Counseling

Our insurance team regularly advises clients with regards to coverage issues under a wide variety of coverages arising out of countless factual scenarios. We assess the necessary issues and always consider whether positions asserted in each matter would impact the long-term interests of the company.

Insurance Coverage

Our attorneys represent insurance companies in complex insurance coverage-related litigation including employment liability, commercial general liability, personal injury, premises liability, construction defects, pollution/environmental contamination, mass tort, automobile liability/no-fault, advertising injury, professional liability, directors and officers liability, subrogation, and bad faith.

We also counsel and provide coverage analyses and opinions to insurance companies. We advise before issuance of the policy and throughout coverage litigation, including any appeal. Many of our insurance clients serve specialty markets such as risk pools, governmental liability, and professional errors and omissions. Our experience with those markets’ legal issues helps underwriters formulate coverage proposals that protect the carrier and potential insureds. We then work with the underwriters, helping to draft coverage documents in unique and difficult markets. Our experience with coverage documents and endorsements helps carriers limit unintended coverage or gaps in coverage. Once these documents are in place, we address issues raised by a range of policies—including primary and excess policies, as well as reinsurance treaties, and facultative certificates. We also guide carriers through administrative and statutory issues such as premium rating, surplus lines, and forms approval.

Insurance Liability Defense

Insureds seek our defense counsel for matters in construction, drug and medical devices, employee benefits, energy, environmental law, fidelity and surety, health law, intellectual property, products litigation, professional liability, and transportation.

Insurance Litigation & Arbitration

Our attorneys regularly represent insurers in complex multi-party litigation in courtrooms and arbitration panels throughout Texas and the United States. We also serve as panel counsel for several insurers as it relates to employment practices liability insurance (EPLI) and directors and officers liability insurance (D&O). Our attorneys have defended insurers in numerous high-profile coverage actions involving long-tail claims, such as environmental contamination or exposure to asbestos-containing materials or toxic chemicals.

Our experience in representing insurers has allowed us to thoroughly understand the needs of insurers and their clients. As early as possible, we provide a detailed opinion that outlines the issues, potential pitfalls and a proposed strategy for resolution. We find that we can often dispose of litigation at the pleading stage or early settlement.

Insurance carriers rely on our counsel in first-party and third-party coverage disputes, including those involving claims of bad faith, deceptive trade practices, insurance code violations, and insurer negligence. We have also been involved in market conduct litigation, ranging from agent misrepresentation to compliance issues.

Reinsurance & Excess

Our representation of insurance carriers extends into more concentrated areas of excess and reinsurance coverage. We represent the interests of excess carriers by monitoring and reporting the activities of primary carriers and counsel hired by them, as well as by protecting the excess carrier’s interests in coverage litigation. Our team also represents various ceding carriers and reinsurers, both facultative and treaty, in disputes regarding reinsurance coverage in court and before arbitration panels.

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