Insurance Recovery

Turning Complex Policies into Real-World Protections

The world of Insurance Recovery has evolved beyond traditional claims.
Modern businesses rely on intricate programs that combine property, liability, cyber, D&O, E&O, and specialized coverages—each with unique triggers and exclusions.

Our team helps clients understand the scope and limits of their policies, translating technical terms into actionable risk strategies.
We analyze policy language, interpret coverage triggers, and anticipate insurer defenses long before a dispute arises.
By aligning legal insight with operational realities, we ensure that insurance functions as a reliable safety net rather than a source of uncertainty.

Laying the Groundwork for Successful Insurance Recovery

Effective Insurance Recovery begins long before litigation.
We assist clients in preparing comprehensive and well-documented claims that maximize coverage potential while minimizing delay or denial.

Our attorneys analyze policy wording—definitions, exclusions, sub-limits, and notice requirements—to identify all viable sources of recovery.
We coordinate with financial, technical, and accounting experts to quantify losses accurately and present them in insurer-acceptable formats.

Through strategic communication and compliance with procedural obligations, we help clients avoid common pitfalls that insurers exploit to deny claims.

Enforcing the Promise of Insurance Contracts

When insurers refuse to honor their obligations, Insurance Recovery shifts from negotiation to enforcement.
Our team represents clients in coverage litigation, declaratory judgment actions, and bad faith claims in federal and state courts nationwide.

We have successfully challenged wrongful denials under a wide array of policies—property, casualty, D&O, E&O, environmental, and business interruption coverage.
Our lawyers are adept at managing complex discovery, policy interpretation disputes, and multi-insurer coordination across layers of coverage.

In every case, our objective remains consistent: securing the full extent of the policyholder’s entitlement while minimizing business disruption.

Recovering from Operational Shutdowns and Global Supply Chain Disruptions

Business interruption claims require meticulous financial and legal analysis.
Our Insurance Recovery lawyers help clients recover income losses resulting from property damage, supply chain disruption, or government-mandated shutdowns.

We assist in interpreting contingent business interruption clauses that cover losses caused by suppliers’ or customers’ operational failures.
Our experience includes advising global manufacturers, technology companies, and retailers whose losses spanned multiple jurisdictions and currencies.

Protecting Leadership and Decision-Making Integrity

Executives and professionals face growing exposure to litigation, regulatory investigations, and shareholder actions.
Our Insurance Recovery team assists corporate officers, boards, and professional firms in securing D&O and E&O coverage for defense and settlement costs.

We advise on policy placement, tail coverage, and claims-made triggers to ensure continuous protection.
Our lawyers negotiate with insurers to cover defense expenses, indemnification obligations, and derivative suits arising from alleged mismanagement or fiduciary breaches.
By aligning policy interpretation with corporate governance obligations, we safeguard both personal and organizational assets.

Navigating the Expanding Risks of Digital Liability

As cyber threats escalate, Insurance Recovery now extends into data security and privacy realms.
We represent companies in claims arising from ransomware, data theft, and privacy breaches.

Our lawyers evaluate cyber policy language related to notification costs, regulatory investigations, business interruption, and reputational harm.
We also address overlap and gaps among cyber, technology E&O, and crime policies to ensure holistic protection.

When coverage disputes arise, we negotiate or litigate with insurers to secure recovery for breach response, system restoration, and customer compensation costs.

Securing Recovery for Complex, Long-Tail Liabilities

Environmental contamination and construction disputes often involve multiple policies and decades of exposure.
We assist clients in identifying historic coverage, allocating costs among insurers, and litigating under Comprehensive General Liability (CGL) and pollution policies.

Our lawyers have handled coverage for cleanup costs, third-party bodily injury claims, and natural resource damage.
We also advise developers and contractors on builder’s risk, professional liability, and wrap-up insurance disputes arising from project delays, design defects, or subcontractor failures.

Protecting Institutional Integrity and Investor Confidence

Banks, private equity firms, and investment advisers face a unique array of coverage challenges.
We counsel on fidelity bonds, financial institution professional indemnity (FIPI), and crime policies covering employee dishonesty, fraud, and cybercrime losses.

Our Insurance Recovery team also assists fiduciaries and fund managers in obtaining coverage for ERISA and pension plan disputes.
We coordinate across practice areas to align recovery strategies with securities regulation, investor relations, and governance frameworks.

Holding Insurers Accountable for Unreasonable Conduct

When insurers act in bad faith—delaying payment, denying valid claims, or misrepresenting coverage—we take decisive legal action.
Our lawyers prosecute claims for breach of the implied covenant of good faith and fair dealing, as well as statutory unfair practices.

We seek damages, attorney’s fees, and punitive awards where warranted by the insurer’s misconduct.
These cases send a clear message: insurers must uphold the obligations promised to policyholders and act with transparency and fairness.

Managing International Coverage and Multinational Risk

Global businesses often maintain layered insurance programs spanning multiple jurisdictions.
We coordinate cross-border Insurance Recovery strategies, ensuring consistent coverage interpretation and claim handling under foreign law.

Our lawyers advise on choice-of-law provisions, territorial limitations, and regulatory approvals required for foreign insurer payments.
We collaborate with international counsel to resolve conflicts between domestic and overseas coverage positions, preserving seamless financial recovery for multinational clients.

Building Coverage Strategies That Prevent Future Disputes

Proactive policy design can prevent costly litigation.
We assist clients in negotiating and customizing insurance programs tailored to their risk profiles—covering general liability, property, D&O, cyber, environmental, and transactional risks.

Our lawyers review proposed wordings, endorsements, and exclusions before policies are bound to ensure coverage aligns with operational and regulatory realities.
We also train in-house counsel and risk managers on how to evaluate renewals, monitor aggregate limits, and respond to coverage correspondence.

Reaching Practical Solutions Without Prolonged Litigation

While we are trial-ready, many Insurance Recovery disputes can be resolved efficiently through negotiation, mediation, or arbitration.
We guide clients through pre-suit discussions, settlement conferences, and alternative dispute resolution forums to achieve favorable outcomes.

Our pragmatic approach focuses on preserving insurer relationships where possible while ensuring that clients recover the full value of their claims.
We combine persuasive advocacy with a deep understanding of insurer motivations to secure results quickly and effectively.

Anticipating Change in Risk Transfer and Policy Innovation

The Insurance Recovery landscape is evolving rapidly.
We monitor developments in climate-related risk coverage, ESG-linked insurance, and the expanding use of parametric and captive insurance models.

Our lawyers assess how new policy structures—such as cyber aggregation limits and climate resilience programs—affect coverage interpretation and dispute resolution.
We also advise on digital claim platforms and insurer automation practices to ensure transparency and accountability in claims handling.

Policyholder Advocacy. Strategic Resolution. Proven Expertise.

At SJKP LLP, our Insurance Recovery practice is built on a singular principle: the policyholder’s right to full, fair, and timely recovery.
We combine policy analysis, negotiation, and litigation capabilities with cross-disciplinary insight into corporate risk management, finance, and regulatory compliance.
 

Whether pursuing coverage for complex industrial losses or advising on cutting-edge cyber risks, we deliver pragmatic, strategic, and results-driven counsel that maximizes recovery and protects long-term business resilience.