Insurance Coverage Litigation Attorneys | King & Jones
Insurance is supposed to be there when everything goes wrong. We’ve all seen the commercials. A catastrophic loss, a major lawsuit, a business interruption that threatens your operations — these are exactly the moments your policy was designed for. But when that moment arrives, too many policyholders discover that their insurer’s commitment to paying claims is far less firm than their commitment to collecting premiums.
Denials. Delays. Underpayments. Coverage defenses buried in fine print. Failure to defend when defense is owed. These are not administrative inconveniences — they are breaches of a legal obligation.
At King & Jones, we represent policyholders in complex insurance coverage disputes. We know the tactics insurers use to avoid payment, we know how to challenge them, and we have spent decades recovering what our clients were owed — across policy types, industries, and jurisdictions.
What Is Insurance Coverage Litigation?
Insurance coverage litigation arises when an insurer and a policyholder disagree about whether, and to what extent, a policy covers a particular loss or claim. These disputes may involve:
- An outright denial of coverage
- A reservation of rights that signals the insurer intends to limit or contest its obligations
- A failure to defend a policyholder against a third-party lawsuit
- An underpayment that fails to reflect the actual scope of the loss
- Bad faith conduct — when an insurer unreasonably delays, denies, or handles a claim in a manner designed to protect its own interests over the policyholder’s rights
Coverage disputes require a detailed understanding of both the policy language and the law governing its interpretation. Courts generally construe ambiguous policy terms in favor of the policyholder — but getting there requires knowing how to make that argument effectively.
Types of Insurance Disputes We Handle
King & Jones represents policyholders across a wide range of commercial and professional insurance matters, including:
- Directors and Officers (D&O) — Coverage disputes arising from securities litigation, derivative suits, regulatory investigations, and shareholder claims against corporate leadership
- Errors and Omissions (E&O) / Professional Liability — Disputes over coverage for claims alleging negligent professional services, including those brought against lawyers, accountants, architects, consultants, and financial advisors
- Business Interruption — Claims for lost income and extra expenses resulting from a covered event, including disputes over the period of restoration and the proper calculation of loss
- Cyber Liability — Coverage disputes arising from data breaches, ransomware attacks, and other cyber incidents, including disputes over which policy — CGL, crime, or standalone cyber — applies
- Excess and Umbrella Coverage — Disputes over when excess layers are triggered and whether primary insurers have exhausted their limits in good faith
The Duty to Defend — One of the Most Valuable Rights in Your Policy
For many policyholders, the insurer’s duty to defend is the most immediately critical coverage obligation. When a third party sues your business, your insurer may be required to provide a defense — even if the ultimate merits of the underlying claim are disputed, and even if coverage for any resulting judgment is uncertain.
Insurers frequently contest this obligation, issuing reservations of rights or outright denials of the duty to defend to shift costs to the policyholder. These denials are often wrong — and litigating them can result not only in the insurer being required to fund the defense, but in additional liability for the costs and consequences of the wrongful refusal.
If your insurer has refused to defend you in a pending lawsuit, that decision warrants immediate legal attention.
Plaintiff or Defendant — Policyholder Focused
Unlike some insurance litigation practices that work both sides, King & Jones represents policyholders. Our focus is on the businesses, owners, directors, and executives who purchased coverage in good faith and are being denied what they bargained for. That focus shapes how we approach every case — with a clear understanding of what policyholders need, what insurers are trying to avoid, and how to close that gap through litigation, arbitration, or negotiated resolution.
We have recovered millions of dollars for clients facing everything from single-asset property losses to bet-the-company coverage disputes in which the stakes extended to the survival of the business itself.
If your insurer has denied your claim, reserved its rights, refused to defend you, or failed to pay what your policy requires — you have options. Contact King & Jones to find out what they are.
More information on insurance disputes