Insurance Coverage and Extra Contractual Liability

While some insurance defense firms handle coverage issues as a part of their overall defense practice, we consider coverage opinions and reservation of rights to be a special category of their own that require an experienced coverage attorney. Roberts Perryman has over 50 years in interpreting insurance policies of all types, and responsible for well over 25 appellate decisions favorable to the insurance industry on a variety of coverage issues.  We have litigated and tried many cases and resolved hundreds more through dispositive motions and alternative dispute resolution, such as mediation and arbitration.

We have been successful in coverage disputes involving, but not limited to, uninsured and underinsured motorist coverage, permissive use, alleged negligence in failing to prevent child abuse, comprehensive general liability coverage for indemnity claims, the pollution exclusion, and construction defects. In the area of uninsured/underinsured motorist coverage, our attorneys have been involved in several "landmark decisions.”

Our firm is experienced in analyzing and providing coverage opinions on all types of policies including:

  • General Liability 
  • Claims Made
  • Excess and Reinsurance
  • Auto
  • Homeowner’s
  • Life
  • Professional Liability
  • E & O
  • Surplus Lines


The issues we have counseled our insurance clients on include:

  • Products
  • Construction Defect
  • Auto/Trucking
  • Pollution Exclusion
  • Toxic Torts 
  • Trigger
  • Allocation
  • Other insurance
  • First Party Coverage
  • Arson/Fraud
  • Duty to Defend
  • Employment/Workers' Compensation
  • Insurance Agent and Broker Liability
  • Bad Faith and Vexatious Refusal Claims
  • Section 537.065 Agreements
  • Extra-Contractual Liability
  • Reservation of Rights


When it comes to coverage matters we have found that only a few firms are equipped to provide the answers you need immediately. At Roberts Perryman we can answer your coverage questions, render a coverage opinion, draft a reservation of rights letter, prosecute a declaratory action and advise on the steps of extra-contractual liability.

"Of the 20 states I have work in, and the 36 years I've been in the insurance industry, Ted Perryman is in the Top 5 out of all attorneys in those states.  I wouldn't hesitate to recommend Ted.  He's a stand-up guy and knows his stuff."