Insurance disputes are rarely resolved by reading one sentence in isolation. Forms must be considered together, with attention to definitions, schedules, endorsements, underwriting records, and the transaction that produced the policy.
Areas of analysis
- Commercial property, business income, and valuation
- Commercial general liability and additional-insured coverage
- Business auto, garage, trucking, and related endorsements
- Umbrella and excess insurance
- Workers compensation and employers liability
- Certificates of insurance and contractual insurance requirements
The proper role of an insurance expert
An insurance expert can explain terminology, policy structure, coverage mechanics, underwriting practices, and industry usage. The expert should not replace the court or offer impermissible legal conclusions. Michael’s work stays focused on the insurance questions that assist counsel and the trier of fact.
Plain language matters. The objective is not to make a simple issue sound technical. It is to make a technical issue understandable and accurate.