ליטיגציה בתחום הביטוח

Insurance disputes rarely arrive on a quiet day. They arrive after a fire destroys a manufacturing facility, after war risks are invoked to deny claims on aircraft stranded in Russia, or after a supply chain collapses and the business interruption policy is read more narrowly than the insured had any reason to expect. Catastrophe creates the loss; the dispute over whether the policy responds is the second event, often the more consequential one.

Seiden Law represents both insureds and major insurance carriers in complex coverage and re-insurance litigation in U.S. state and federal courts and in בוררות. The firm has helped clients recover more than $200 million in insurance-related matters, working across catastrophic property loss, business interruption, war-risk exclusions, environmental and pollution claims, and re-insurance disputes spanning multiple jurisdictions. Handling disputes from both sides of the policy provides a working understanding of how insurers actually evaluate claims, where coverage positions are most vulnerable, and where the leverage in any given matter sits.

How Coverage Disputes Develop

Most contested insurance matters follow a recognizable arc. A loss occurs. The insured submits a claim. The carrier investigates, sometimes thoroughly, sometimes through reservation-of-rights letters signaling a denial is coming. When the denial arrives, it identifies one or more policy exclusions, conditions, or definitional issues as the basis. From that moment, the dispute is no longer about the loss; it is about the policy.

The terms that drive these disputes are often deeply technical. Causation provisions allocate loss between covered and excluded perils. Concurrent-causation doctrine and anti-concurrent-causation language can produce dramatically different results on similar facts. Sublimits, deductibles, and co-insurance provisions affect ultimate recovery. Bad-faith standards vary significantly by state. Policy interpretation is often the case, and the case is often won or lost on how the record is built around the words on the page.

Re-insurance disputes add layers of complexity. Treaty and facultative structures, multiple-layer towers, follow-the-fortunes provisions, and the interaction between reinsurers and retrocessionaires can produce contests that are partly contractual, partly factual, and almost always cross-jurisdictional. The firm handles these matters with attention to both the technical structure of the placements and the practical question of how value flows through the layers.

מה מיוחד בייעוץ משפטי של סיידן?

• A 360-degree view of insurance disputes. Because the firm represents both insureds and insurers, it understands how each side evaluates exposure, builds its case, and negotiates a resolution. This insight enables the firm to anticipate strategies, identify inflection points, and position clients for the strongest possible outcome.
• Integrated litigation and investigation. Litigators work hand-in-hand with analysts, investigators, and financial professionals to uncover hidden facts, reconstruct loss events, and evaluate damages with precision. This multidisciplinary model allows the firm to challenge carrier denials, expose inconsistencies, and identify post-loss conduct that strengthens clients’ claims.
• Strength in complex, high-exposure matters. The firm has handled disputes connected to catastrophic fires, large-scale operational outages, and geopolitical conflict; including claims arising from the Russian invasion of Ukraine, where the firm represents some of the world’s largest insurance carriers in novel and high-stakes litigation.
• A reputation for relentless courtroom advocacy. This is a trial-oriented firm. Where coverage battles escalate, the team is prepared to try the case. Insurers and claimants alike know the firm is not afraid to litigate aggressively when settlement is either insufficient or strategically unsound.

Insurance and Re-Insurance Capabilities

• Coverage disputes and claim denials. The firm litigates high-value claims across industries including energy, manufacturing, life sciences, infrastructure, and transportation. Matters include property damage and catastrophic loss, business interruption and contingent business interruption, fire and explosion events, builder’s risk claims, environmental and pollution events, supply-chain disruptions, and bad-faith claim handling.
• Re-insurance litigation and international issues. The firm’s cross-border litigation strength is directly applicable to re-insurance disputes, which often involve cross-jurisdiction placements, complex treaty and facultative structures, multi-layer towers, global carriers and retrocessionaires, and foreign-law considerations or overseas asset issues.
• Arbitration of insurance and re-insurance matters. The firm has represented clients in insurance arbitrations involving complex factual records, specialized technical experts, and high-stakes financial exposure. The firm develops tailored evidentiary strategies focused on policy interpretation, causation disputes, and industry-specific loss calculation methodologies.

נושאים רלוונטיים

• Renewable-energy manufacturer post-fire coverage litigation. Representation of a U.S. renewable-energy company seeking compensatory and punitive damages after a catastrophic fire that halted operations, with carriers denying coverage and triggering a high-value, multi-venue dispute.
• Ukraine-related claims defense for global carriers. Defense of several of the world’s largest insurers in a highly complex claims arising from the Russian invasion of Ukraine. These matters involve war-risk exclusions, sanctions implications, and cross-border fact patterns of first impression in many jurisdictions.
• Cross-border investigations and recovery support. The firm leverages analyst and forensic-investigation teams to reconstruct loss events, evaluate causation, and support asset recovery when an insured’s business interruption has international dimensions.

Our Approach: Precision and Information Advantage

Insurance litigation is document-intensive and often hinges on technical details. The firm’s approach combines sharp legal interpretation, deep industry knowledge, data-driven investigation, meticulous loss analysis, and persuasive advocacy. The team is adept at handling cases with voluminous records, complex loss calculations, and tight dispute-resolution timelines, whether in court or arbitration.

Industries We Commonly Serve

Energy and renewables; real estate and construction; transportation and logistics; technology and manufacturing; financial services; agricultural and commodity operations; life sciences; infrastructure and industrial operations.