Property and casualty insurance companies face myriad claims and litigation issues while continually managing corporate matters and navigating regulations. The Faegre Baker Daniels insurance team advises you on coverage and risk management, defends claims, and counsels on regulatory issues at the state, national and international levels. 

Commercial Insurance 

You face many complex insurance issues that we can help you handle, such as timely notice of a claim or occurrence and tender of defense; duty to defend and right to control defenses, self-insured retentions, gaps in coverage and overlapping coverage; bad faith claims and claims for extra-contractual damages; and "trigger" of coverage and "allocation of damages" issues in long-tail tort cases. We advise you in uncommon claims, such as cyber risk, online trading, e-commerce, digital signatures, certification authorities and registration authorities; privacy and data security; unfair competition, patent infringement, trademark, copyright and trade secret claims under "advertising injury" coverage; and mold liability litigation. We handle disputes arising under all commercial policies, including commercial general liability, errors and omissions, directors' and officers' liability, specialty lines, and excess and umbrella policies.

Personal Lines Insurance 

When you face complex litigation related to personal property lines, we provide specialized knowledge to resolve the situation. We represent you during national class actions, institutional litigation against business methods and ERISA fiduciary liability claims. We handle disputes arising out of automobile liability insurance, no-fault insurance under different statutory schemes and policy forms, and homeowners' insurance policies.

Corporate and Financial Matters 

As you manage operations at the corporate level, we advise you on restructuring, corporate governance, strategic alliances, taxation, accreditation, company conversion and distribution channel alignment. We assist with transactions such as demutualizations, mergers, acquisitions, joint ventures and reverse mergers.

Regulatory Matters 

We are knowledgeable about federal insurance law and regulations in all 50 states. We advise on market conduct issues, including exams, enforcement proceedings, sales and advertising methods, commissions and rebating. We counsel on indemnity and assumption reinsurance options and prepare trust agreements and letters of credit. We also assist with licensure issues and internal compliance programs.