Insurance Coverage Analysis
Columbus, Ohio, Attorneys — Insurance Coverage Analysis
At the Columbus law offices of Golian McCaffrey LLC, we represent insurance companies and insureds in matters that require extra legal support. Over 20 years of practice, our lawyers have handled hundreds of insurance coverage analyses and we have experienced tremendous success. We are dedicated to protecting our clients' interests by helping them make smart business and legal decisions based on practical advice.
Experience has made us adept at insurance coverage analysis of unique or unusual situations. Sometimes, grey areas exist regarding what is and is not covered under an insurance policy. Sometimes unusual situations require special advice from an experienced insurance lawyer.
At Golian McCaffrey LLC, we can answer your questions with highly competent, clear advice involving:
- Assault and battery situations in commercial venues
- Whether a personal injury occurred inside — or outside of — the scope of business
- Liquor liability defense and coverage
- Coverage for sexual assault and criminal activities of third parties
- Which exclusions apply, and in what situations
- Basis for denial or acceptance of coverage
Insurance Coverage Analysis — the "Eight Corners" of the Policy and Complaint
After an initial phone consultation with our clients, we often ask them to send us a copy of the insurance policy and the complaint for review. We will then conduct an "eight corners analysis," looking at the four corners of the insurance policy and the four corners of the complaint. If there is anything within the scope of the two documents that arguably lends itself to coverage, a duty may exist to defend it.
Analysis of Surplus Line Coverage
When mainstream insurance companies will not insure your high-risk business, surplus line carriers will provide coverage for your risk that is not regulated by the state. These carriers perform an important function, but complications can arise when you face a lawsuit. At Golian McCaffrey LLC, we conduct insurance policy analysis to help our clients properly determine whether an event was inside or outside the scope of surplus line coverage.
Our experienced attorneys can offer practical advice on what actions to take from there. We keep our clients' business interests in mind, often helping them conduct a cost-benefit analysis of legal actions.
When an insurance issue requires outside support, turn to our law firm for a thorough insurance policy analysis. To talk to the attorneys at the Columbus, Ohio, law offices of Golian McCaffrey LLC, contact us at 614-258-6000 or toll free at 866-226-9645.
