Insurance Coverage

For more than 50 years, our Insurance Coverage Litigation attorneys have represented policyholders and insurance companies across the country in insurance coverage disputes, negotiations, litigation, settlement options, and bad faith allegations.

We partner with clients to develop sound coverage opinions based on the current status of the law and on clearly communicated and assessed insurance policy provisions.

We partner with clients to develop sound coverage opinions based on the current status of the law and on clearly communicated and assessed insurance policy provisions.

Our services include case-specific representation, opinions and analysis, consultation on risk management issues for the policyholder, and on claims handling procedures for the insurance company. Our Insurance Coverage attorneys have prosecuted and defended declaratory judgment actions seeking the court's interpretation of insurance policy language, as well as bad faith matters nationwide. We have also consulted in and successfully litigated disputes at all levels of state and federal courts, mainly in Ohio and Florida, resulting in scores of reported and unreported insurance coverage decisions.

Our Insurance Coverage group offers a depth of experience in property and casualty claims, litigation management, construction law, professional liability, environmental, life, health and disability, and fidelity/surety claims. In addition, several of our attorneys are board certified trial attorneys by the National Board of Trial Advocacy and are Ohio State Bar Association board certified as business litigation lawyers.

Our Experience

  • Argued on behalf of an insurance company before the Ohio Supreme Court regarding potentially groundbreaking issues involving insurance coverage for employer intentional torts
  • Defended life insurance companies in bad faith insurance coverage matters
  • Serve as statewide coverage counsel for several Ohio liability insurance carriers and national insurance carriers
  • Serve as statewide coverage counsel for an oil and gas insurance carrier
  • Handled multimillion dollar environmental coverage litigation for a corporate industrial client
  • Tried insurance coverage matters involving conditions precedent on policy, including late notice issues
  • Retained to assist in rewriting insurance policies for purposes of compliance with Ohio law
  • Conducted analyses of insurance programs for corporate clients and made recommendations on risk management issues
  • Conducted seminars for insurance carriers and corporate clients on risk management issues, claims procedures, bad faith issues, and updates on Ohio law
  • Represented the Ohio Department of Insurance and the court-appointed liquidator in concluding the affairs of an insurance company
  • Represented both insurance carriers and policyholders in toxic tort matters
  • Handled environmental, toxic tort, product liability, and labor and employment matters for a Fortune 25 international insurance organization
  • Served as national coordinating counsel in defending latex exposure cases for a large insurance carrier
  • Served as national coordinating counsel for the defense of mold claims on behalf of two large insurance carriers
  • Represented an auto insurance carrier in uninsured/underinsured motorists action
  • Handled numerous employment matters, including lawsuits and administrative proceedings, for insurance companies (as the employer) and on behalf of insurance carriers through an employer's "employment practices liability insurance" policy

What We Do

  • Automobile liability and uninsured/underinsured motorist coverage
  • Aviation coverage and aviation underwriter coverage
  • Bad faith
  • Construction-related coverage
  • Director and officers' liability
  • Employment-related litigation
  • Environmental coverage
  • Errors and omissions coverage
  • Excess and surplus lines coverage
  • Fire and arson
  • Liability insurance
  • Life insurance and disability coverage
  • Mass tort
  • Patent, copyright, and trademark claims
  • Personal injury defense
  • Professional liability coverage
  • Property coverage
  • Subrogation
  • Transportation incident coverage coordination

Related Media & Events

  1. Alerts
    What You Should Know About Liability Waivers for Minors in Ohio - Jun 22, 2021
    COVID-19 Insurance Coverage — The Uncertainty Continues - Feb 1, 2021
    At Least One Ohio Court Has Found That Restaurants’ COVID-19 Business Losses Are Covered - Jan 25, 2021
    If Passed, House Bill 589 Requires Insurers Offering Business Interruption Insurance to Cover Losses Due to COVID-19 - Mar 27, 2020
    Roetzel Response to COVID-19 - NULL
    Insurance Coverage and COVID-19 - Mar 13, 2020
    Malpractice Insurance – Contractual Indemnity and Tail Coverage - Mar 10, 2020
    How Much is a Good Name Worth? Ohio Supreme Court Says Damages for Defamation are Capped - Dec 12, 2018
    Before You Write That Check! - Apr 23, 2018
    Can Your Business Fly Under the Radar? - Oct 16, 2017
    Hurricane Irma - Sep 27, 2017
    FBI Warning on Cybercriminals Targeting FTP Servers to Compromise Protected Health Information - Apr 18, 2017
    FAA Issues Long-Anticipated Commercial Drone Rules & Eliminates the Section 333 Exemption Process - Jun 22, 2016
    Insurer Not Engaging in a "Consumer Transaction" - Jan 8, 2016
    Ohio Governor Approves Changes in Insurance Subrogation Law, Vetoes Some Provisions - Jul 16, 2015
  2. Articles
    Defense and Coverage - Can They Co-Exist? - May 15, 2012 - USLAW Spring/Summer Newsletter
    Handling Liability and Coverage Claims: Splitting Files, the Duty to Defend, and Ethical Considerations for Lawyers - Apr 1, 2012 - FDCC Quarterly, Volume 62, Number 1
    When Claims and Coverage Collide - Fall 2011 - Federation of Defense and Corporate Counsel (FDCC) Quarterly Newsletter
    Tender of Indemnity and Insurance Issues -- Additional Insured and Supplemental Payment Coverages - Fall 2009
    Insurance Coverage Issues in Trucking Law-Ohio-The Duty to Preserve Coverage and to Cooperate - January 2009 - D.R.I. Trucking Insurance Law Compendium
  3. Podcast
    Roetzel HealthLaw HotSpot: Malpractice Insurance - What Providers Need to Know - Mar 25, 2021
  4. Firm News
    19 Roetzel Attorneys Named Ohio Super Lawyers/Rising Stars - Dec 29, 2023
    Roetzel Grows in Chicago with Additions of Reniva & Lee - Dec 8, 2023
    Roetzel Earns National and Regional Rankings in 2024 Best Law Firms® - Nov 2, 2023
    15 Roetzel Attorneys Named Best Lawyers: Ones to Watch - Aug 17, 2023
    Roetzel & Andress Earns Recognition in 2024 Best Lawyers - Aug 17, 2023
    22 Roetzel Attorneys Named 2023 Ohio Super Lawyers and Rising Stars - Dec 29, 2022
    Roetzel & Andress Named to 2023 “Best Law Firms” List - Nov 3, 2022
    Roetzel & Andress Welcomes Attorney Carolann Swanson in Fort Myers - Aug 23, 2022
    Roetzel Attorneys Recognized in 2023 Edition of The Best Lawyers in America® - Aug 18, 2022
    Twenty-Seven Roetzel Attorneys Selected to 2022 Ohio Super Lawyers and Rising Stars List - Dec 30, 2021
    Roetzel & Andress Named to 2022 “Best Law Firms” List - Nov 4, 2021
    Roetzel & Andress Ranked Among “Best Law Firms” by U.S. News – Best Lawyers® - Nov 5, 2020
    Seventy Roetzel Attorneys Named to 2021 The Best Lawyers in America© List; Ten Named “Lawyer of the Year” - Aug 20, 2020
    Heebsh Named Shareholder-in-Charge of Roetzel’s Toledo Office - Jan 1, 2020
    23 Roetzel Attorneys Named 2020 Ohio Super Lawyers®; 11 Named Rising Stars® - Nov 27, 2019
    Roetzel & Andress Ranked Among Nation’s 2020 “Best Law Firms” by U.S. News — Best Lawyers® - Nov 1, 2019
    Andrew Clott Joins Roetzel & Andress as Associate in Chicago - Jul 8, 2019
    Roetzel & Andress Ranked in 2018 "Best Law Firms" List - Nov 2, 2017
    Roetzel & Andress Ranked in 2017 "Best Law Firms" - Nov 1, 2016
    Roetzel & Andress Ranked in 2016 "Best Law Firms" - Nov 2, 2015
    Roetzel & Andress Welcomes Philip S. Heebsh to Toledo Office - Oct 7, 2015
    Roetzel & Andress Ranked in 2015 "Best Law Firms" - Nov 3, 2014
    Roetzel Partner Ronald B. Lee Recertified as a Civil Trial Advocate by The National Board of Trial Advocacy - Oct 3, 2014
    Roetzel Ranked Among Best Law Firms by U.S. News & World Report - Nov 5, 2013
    Roetzel's Bradley A. Wright Named Chair of USLAW Board of Directors - Oct 4, 2013