Insurance Defense/Coverage

Insurance coverage disputes demand prompt, objective analysis — and our attorneys have been serving as coverage counsel for over thirty years. We bring a thorough understanding of policy language, New Mexico law, and the practical realities insurers and insureds face when coverage questions arise. Our coverage counsel services include:

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• Assisting clients in making coverage determinations

• Preparing coverage opinions

• Drafting reservation of rights letters

• Filing and defending declaratory judgment actions

• Monitoring underlying litigation and coordinating with defense counsel

• Participating in mediations and facilitating settlements

• Defending and prosecuting bad faith actions

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We are experienced across a broad range of policy types, including:

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• Comprehensive General Liability (CGL)

• Commercial Lines

• Property Insurance and All-Risk Policies

• Umbrella and Excess Coverage

• Employer Practices Liability Insurance (EPLI)

• Commercial and Personal Auto Policies

• Directors & Officers (D&O) Coverage

• Inland Marine Policies

• Environmental Impairment Liability (EIL)

New Mexico presents unique coverage challenges, and our deep familiarity with state law gives our clients a significant advantage. We have researched and litigated a wide range of complex coverage issues, including the definition of an "occurrence," when property damage triggers coverage, how New Mexico's anti-indemnity statutes affect underlying contracts, the economic loss doctrine, permissive users under commercial auto policies, and environmental pollution claims. We are particularly well-versed in coverage disputes arising from construction defect claims — an increasingly significant area of litigation in New Mexico.

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Our team has the resources, experience, and legal knowledge to analyze coverage issues, render coverage opinions, and litigate on behalf of either the insurer or the insured.

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