We understand the insurance regulatory process and the rights of both insurance companies and policy holders. We frequently are called on to counsel clients about insurance coverage questions. We work closely with our clients’ risk management personnel. We represent clients in disputes against insurers involving health care policies, ERISA, personal injury and property damage, construction and surety bonds, business interruption, errors and omissions, director’s and officer’s liability, professional liability, product liability, environmental liability, and excess and reinsurance coverage issues. The firm’s work with its clients has involved the recovery of millions of dollars of insurance benefits. We also represent insurers in disputes concerning commercial general liability policies, health policies, other specialty policies, ERISA issues, and bad faith claims. We have also served as general counsel to a large health maintenance organization in which capacity we have been and are involved in many different coverage issues.