Insurance disputes involve either first or third-party coverage. First-party policies, such as property policies, insure losses sustained by the policyholder. Third-party policies are liability policies which protect policyholders against the costs of defending a lawsuit and paying for the judgment or settlement. There are primary liability policies which provide a first layer of protection to policyholders, excess policies which generally apply after the limits of a primary liability policy are exhausted, and umbrella policies which can provide excess coverage and/or coverage when the primary policy fails to do so. There also are "claims-made" and "occurrence" liability policies. Claims-made policies, such as professional liability policies, generally cover claims made against the policyholder reported to the insurer during the policy period. Occurrence-based policies, such as homeowners' liability policies and commercial general liability policies, provide coverage when the damage occurs during the policy period, regardless of when the claim is made.
Klein & Wilson's property and liability insurance coverage experience includes:
- Homeowners', Renters', and Fire Insurance
- Professional Liability Insurance
- Automobile Insurance, including uninsured/underinsured motorists
- Title Insurance
- General Liability and Business Owners' Insurance
- Errors and Omissions Insurance
- Life and Disability Insurance
- Agricultural Insurance
- Workers' Compensation Insurance
- Subrogation and Equitable Indemnity
Contact Klein & Wilson Regarding An Insurance Matter In Southern California
To speak with a lawyer at Klein & Wilson about a denied claim, insurance coverage, or other insurance related matters, call 949-631-3300 or toll free 877-857-0073. For online assistance, contact us by e-mail.