For over 30 years, the attorneys at NLdH have provided specialized legal services to clients regarding insurance coverage issues. The firm's insurance coverage practice remains focused on providing expert service, on a cost efficient basis, to the insurance industry. Through NLdH's international office in London, the firm's insurance coverage practice involves both national and international matters.

NLdH serves as regional and national insurance coverage counsel for clients involved in complex coverage litigation, and also provides advice regarding the creation and interpretation of policy forms, endorsements and exclusions.

NLdH's expertise in insurance coverage matters include all types of first- and third-party policies, including commercial general liability, commercial property, errors and omissions, directors and officers, employment practices, marine, homeowners, and other specialty insurance policies.

NLdH's insurance coverage attorneys actively participate and have leadership roles in many local and national insurance associations and groups including, Defense Research Institute, the Federation of Defense and Corporate Counsel, Tort and Insurance Practice Section of the American Bar Association, Property Loss Research Bureau, the International Association of Special Investigation Units, Loss Executives Association, the Pennsylvania Defense Institute, Insurance Society of Philadelphia and many other associations and groups throughout the United States. In addition, NLdH's attorneys frequently publish articles on cutting edge topics in insurance journals and periodicals.

NLdH's expertise in insurance coverage matters includes the following areas of concentration:

• Asbestos and pollution liability coverage litigation;
• Bankruptcy litigation and issues affecting insurance carriers;
• Insurance coverage for intellectual property and e-commerce claims;
• Defense of insurers in first party commercial property matters, including business interruption claims and claims for damage from fires, floods and hurricanes;
• Representation of insurers in appraisals, arbitrations, mediations and other forms of alternative dispute resolution proceedings;
• Investigation and litigation of arson and suspected insurance fraud;
• Civil actions for recovery under state insurance fraud acts;
• Cyber-risk, identity theft and other technology-related claims;
• Issues affecting self-insurers and disputes involving multiple insurers;
• Disputes involving insurance agents, brokers and third party administrators;
• Insurance claims involving directors and officers policies, errors and omissions policies and other types of specialty professional liability policies;
• Coverage analysis and litigation involving toxic torts, mold, and other claims with long term or progressive injuries;
• Disputes among primary, excess and umbrella insurance carriers;
• Claims for "bad faith," punitive damages, and other extra-contractual relief;
• Insurance coverage for construction defect claims, including analysis of trigger of coverage and number of occurrences issues;
• Claims involving an insured's exposure for environmental pollution under commercial general liability policies and specialty environmental risk policies;
• Rights and obligations involving duties to defend and indemnify under commercial general liability policies;
• Stacking and sign-down provisions in UM/UIM claims.

Clients turn to NLdH's attorneys for counseling on these insurance coverage matters. They know that our background in the industry, paired with our extensive legal knowledge, means that the guidance we provide is carefully considered and designed to achieve the desired impact. When disputes arise, our lawyers have the expertise and experience to handle even the most complex litigation.