Insurance Coverage Issues

Your insurance coverage is a significant asset. At Manly & Stewart, our lawyers focus on maximizing the value of that asset. Through years of experience, we have come to understand insurance companies, the coverages they provide, and how they make decisions on claims. Accordingly, we are uniquely qualified to work with our clients from before policy inception through the resolution of any claims.

Policy Reviews and Evaluation

Manly & Stewart regularly works with its clients at policy inception or renewal to ensure that necessary coverage is being obtained. Often times, insurance professionals may not understand or appreciate changes in a client’s business model or risk exposure. Therefore, we will review existing coverage as well as quotes for new or renewal coverage to make sure no holes in coverage materialize at the time of a claim.

Claims For Damage to Client Property

Our lawyers will also work with you when the risks you insured against materialize in damage to your property. We have assisted clients with the presentation of all types of real property, theft, title, auto, life and disability claims. We then work with the insurance companies, on our clients’ behalf, to ensure these claims are handled in a timely and fair manner.

By virtue of our experience, we understand that there are not always clear-cut answers on coverage. We therefore believe it is important to frankly advise our clients about their prospects for coverage and whether and how far a claim is worth pursuing. Ultimately, our goal is to obtain a fair and just resolution of a client’s claim given the facts of the loss and the applicable policy language.

Liability Insurance Claims

A claim of liability asserted against you can materially threaten your business or assets. Most liability policies, whether issued to homeowners or Fortune 500 companies, require an insurance company to defend and indemnify its insured against covered third party claims. Manly & Stewart’s lawyers possess years of experience enforcing the rights of all types of insureds under many different policies of liability insurance. Our lawyers have represented homeowners, professionals, directors and officers of corporations, and businesses of all types and sizes against claims which run from minor to serious in magnitude. Further, our work does not end when the liability insurer assigns counsel to represent the insured. Our lawyers routinely monitor the status of claims and ensure that dangerous claims are settled, whenever possible, wholly with the insurance company’s money.

Litigation to Enforce Our Clients’ Rights

At Manly & Stewart, we generally believe a lawsuit avoided is a victory for our client. Unlike our clients, however, insurance companies are in the business of ligitation, and legal action is sometime unavoidable when it comes to enforcing our clients’ rights. The lawyers at Manly & Stewart have the experience and knowledge to effectively and efficiently prosecute our clients’ insurance claims to resolution. Our lawyers have brought suit on behalf of policyholderss on a wide and diverse assortment of claims and policies. Most of these claims are and should be resolved short of trial. Accordingly, Manly & Stewart strongly believes in, and pursues, alternative dispute resolution on behalf of its clients. Sometimes, however, claims can only be resolved by trial or dispositive motion, and Manly & Stewart’s lawyers enjoy years of successful experience fighting claims to resolution.