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 Texas and a nationwide reach, we can seamlessly provide services to our clients anywhere in the country. 

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

Claims Counseling

Our insurance team regularly advises clients regarding coverage issues under various coverages arising out of countless factual scenarios. We assess the necessary issues and always consider whether positions asserted in each matter would impact the company's long-term interests.

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. 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 challenging 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 various policies—including primary and excess policies, reinsurance treaties, and facultative certificates. We also guide carriers through administrative and statutory matters such as premium rating, surplus lines, and forms approval.

Insurance Liability Defense

Insureds seek our defense counsel for 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 with 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 understand the needs of insurers and their clients thoroughly. 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 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 and 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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