Insurance Coverage & Bad Faith

The Coverage & Bad Faith Group at Boyd & Jenerette, P.A. assists insurers with difficult coverage and bad faith issues, including pre-suit, litigated or appellate matters. Experienced coverage attorneys advise insurers on the good faith handling of cases involving:

  • Civil remedy notices
  • Declaratory judgment actions
  • Demands for extra-contractual damages
  • Demands with conditions
  • Single-party or multiple claimants
  • Time demands

Our experience includes the following policy types:

  • Auto Liability
  • Comprehensive General Liability (CGL)
  • Construction
  • Directors & Officers (D&O)
  • Employment Practices (EPLI)
  • Homeowners
  • Life, health, and accident policies
  • Mass Tort / Pollution
  • Premises Liability
  • Professional Liability / E&O
  • Trucking & Transportation
  • Workers’ Compensation & Employment

The Coverage & Bad Faith Group strives to help carriers make reasoned and fair decisions concerning policyholders. We also advise clients on current statutory and case law regarding insurance policy language.

Seminars approved for adjuster CE credit by the Florida Department of Financial Services are available on a variety of coverage and bad faith topics.

Bad Faith Pre-Suit Consultation and Litigation

The attorneys in the Bad Faith and Coverage team not only counsel and consult with carriers pre-suit or during the litigation of the underlying claim, but they are also experienced bad faith litigators. We have tried bad faith cases to verdict and handled the subsequent appeal.

Through skilled and thoughtful handling, we have saved our insurer clients millions of dollars in extra-contractual exposure. Very often, with early intervention in a case that poses extra-contractual exposure, we are able to mitigate risk and resulting damages so that disastrous bad faith verdicts are avoided. If it is not possible to do so, then we will defend the bad faith case through trial and appeal.

Coverage Opinions on a Flat Rate Basis

The Coverage & Bad Faith Group maintains a knowledge base organized in a large electronic library encompassing hundreds of coverage opinions, supported by associated legal research.

Because of the number of attorneys within the Coverage & Bad Faith Group, as well as their experience and resource levels, the firm is pleased to offer certain categories of common coverage opinions on a flat rate basis. There are no other costs or expenses in addition to the fee, unless mutually agreed upon in writing.

Advance determination of legal fees can help insurers to better predict expenses for cases involving disputed coverage issues. Also, the insight gained over hundreds of cases supports the coverage attorneys in their goal to predict with better accuracy how courts are likely to rule on coverage questions.

Cases that involve recurring coverage issues such as the following are available on a flat rate basis:

  • Residency
  • Vehicle ownership
  • Uninsured motorists “other insurance” clauses
  • Independent contractor issues
  • Intentional act exclusions
  • Pollution exclusions

Flat fee coverage cases include a post-opinion conference call with the client and a reservation of rights or denial letter.

Even when emergency coverage disputes arise, experienced Boyd & Jenerette, P.A. coverage attorneys are available to respond quickly with recommendations or opinion letters supported by thorough legal analysis.

Contact Jane Anderson or one of the other coverage attorneys to discuss a potential matter.

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Comprehensive Services

Many cases overlap several areas of law. As a full service law firm, we are able to recognize how one legal discipline impacts another. We work as a team on complex issues that require knowledge of a variety of state and federal laws. This multi-disciplinary approach allows clients to receive the large-firm advantage of access to multiple attorneys in a wide scope of practice areas as well as the hands-on customer service offered by a boutique law firm. In addition to civil litigation, employment law, workers’ compensation defense, commercial law, construction law and appeals, our firm also handles professional liability claims.

Our bilingual staff is available to assist with immigration matters, including consular and removal defenses.