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Insurance Coverage

Helping You Answer the Question, "Is That Covered?"

Our firm is one of the preeminent insurance coverage practices in California. Our attorneys have a long and distinguished record of assisting clients with difficult questions and determination involving insurance coverage and insurer's obligations to furnish a defense to an insured facing a third-party claim or suit or to provide coverage for a particular judgment or settlement. Having collectively handled thousands of such cases of varying complexity, we offer the benefit of our in-depth knowledge of the law governing insurance coverage locally, nationally and globally. We are very accustomed to serving insurers who are not based in our immediate geography - throughout California, to Michigan, Ohio, Georgia, Massachusetts and even the United Kingdom. No matter where you are based, or who you insure, we can help you answer, "is that covered?"

Our insurance coverage practice involves claims and coverage opinions and representation involving:

  • Commercial general liability (CGL) coverage
  • Employment-related practices liability coverage
  • Employee benefits liability coverage
  • Professional errors and omissions liability (E&O) coverage
  • Directors and officers liability (D&O) coverage
  • Commercial auto liability coverage
  • Commercial property coverage
  • Personal lines insurance, including homeowner and automobile coverage
  • Uninsured/underinsured motorist coverage
  • Insurance litigation, including declaratory relief, equitable contribution and subrogation, and bad-faith
  • Habitability claims
  • Premises liability
  • Personal injury claims
  • Construction defect claims
  • Defamation
  • Malicious prosecution
  • Invasion of privacy
  • Products liability
  • Fire
  • Environmental issues such as mold
  • Claims concerning public entities such as municipalities and schools

Efficient, Comprehensive, and Personal Insurance Coverage Representation

We believe in cultivating lasting relationships and offering comprehensive professional guidance to our clients. Because we understand time is money, we provide a pormpt response and efficient, personable service to allow our clients to meet claim and litigation deadlines. We have handled thousands of insurance coverage cases of varying complexity and have the experience to find the answers our clients need. To accommodate the insurers we represent, we have set up an efficient, yet intensive, process to provide thorough, comprehensive analysis and a prompt coverage opinion and recommendation - our attorneys quickly pinpoint the key coverage issues and relevant case law, as well as any economic and practical considerations, in order to recommend the best and most cost-effective course of action to our clients.

We are also prepared to, where appropriate: draft reservations of rights, disclaimers, and other coverage position correspondence to insureds or co-carriers on behalf of our clients; attend mediations and/or settlement conferences to assert our clients' coverage positions; monitor trials and litigation with respect to evidence which may affect coverage; and represent our clients in coverage litigation.

While our firm typically represents insurers, we are also prepared to lend our advice to individuals who may have a question regarding insurance coverage. Our experience has given us the ability to examine the issues involved from every perspective, allowing us to provide comprehensive advice to all of our clients.

Call us at 805-963-8252 or reach us online.



Minehan, McFaul & Fitch, LLP
Main Address

P.O. Box 50409
Santa Barbara, CA 93150
Phone: 805-963-8252
Fax: 805-963-8272

Secondary Address
1135 Eugenia Place, Suite C
Carpinteria, CA 93013
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