Insurance Coverage

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. With over 50 years in interpreting insurance policies of all types, our firm has been called upon to provide coverage opinions on:

  • 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


In addition to traditional coverage opinions and declaratory judgment actions, we handle related matters such as:

  • Bad Faith claims and litigation
  • Extra-contractual liability
  • Broker Liability
  • Underwriting mistakes and errors
  • 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 avoid 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."