Insurance Claims Lawyer & Attorney Minnesota + Wisconsin
Award-Winning Team
Licensed in MN, WI, + ND
80+ Years of Experience
100% 5-Star Reviews
Experienced Insurance Coverage Counsel in Minnesota + Wisconsin
Insurance disputes often involve complex policy language, significant financial exposure, and competing interpretations of coverage obligations. Whether a matter involves a denied claim, a reservation of rights, a substantial liability loss, or multiple layers of insurance, careful analysis can help determine the available coverage and the most effective path forward.
At Lommen Abdo, we represent corporate and individual policyholders, insurers, and other parties in insurance coverage matters throughout Minnesota and Wisconsin. Our attorneys advise clients on policy interpretation, coverage strategy, negotiations, and disputes involving commercial, professional, property, casualty, auto, and specialty insurance products.
Our insurance attorneys combine detailed policy analysis with extensive experience in negotiation, mediation, arbitration, litigation, trial, and appeal. Several members of our team have also written, edited, and presented on insurance law for attorneys, claims professionals, and other industry participants.
Insurance Coverage: What You Should Know
- Insurance coverage depends on the policy language, the facts of the claim, and the law governing the policy.
- Commercial insurance programs may include primary, excess, umbrella, and self-insured layers.
- Significant losses may involve multiple policies, carriers, coverage periods, or types of insurance.
- Coverage disputes often involve duties to defend or indemnify, exclusions, notice requirements, or policy limits.
- Businesses may have coverage under liability, property, professional, employment, cyber, auto, or specialty policies.
- Insurance disputes may be resolved through negotiation, mediation, arbitration, litigation, or appeal.
Early policy review can help preserve rights and identify available coverage.
Our Attorneys
Why Choose Lommen Abdo
- Our attorneys have extensive experience with insurance coverage matters under Minnesota and Wisconsin law.
- Lommen Abdo attorneys have helped shape insurance law through numerous reported decisions.
- Members of our team regularly write and present on insurance coverage issues.
- We understand complex commercial insurance programs involving multiple policies and carriers.
- Our attorneys bring substantial litigation, trial, and appellate experience to coverage disputes.
What We Do
- We analyze policies, endorsements, exclusions, coverage positions, and reservation-of-rights letters.
- We advise clients regarding defense, indemnity, allocation, notice, and policy-limit issues.
- We handle commercial liability, property, professional liability, cyber, employment, auto, and specialty coverage matters.
- We represent clients in disputes involving construction defects, property damage, bodily injury, business losses, and professional services.
- We assist with excess, umbrella, no-fault, title, cargo, crime, environmental, and reinsurance matters.
- We negotiate coverage disputes and represent clients in mediation, arbitration, litigation, trial, and appeal.
- We advise clients on bad faith, excess exposure, Miller-Shugart agreements, and claims beyond policy limits.
Frequently Asked Questions
What is an insurance coverage dispute?
An insurance coverage dispute arises when the parties disagree about whether a policy applies to a claim, loss, lawsuit, or liability. These disputes may involve policy interpretation, exclusions, notice requirements, defense obligations, indemnity, or policy limits.
Does Lommen Abdo represent insurers or policyholders?
We represent corporate and individual policyholders, insurers, and other parties involved in insurance coverage matters. Representation depends on the circumstances of the claim and the parties involved.
What types of insurance policies may be involved in a commercial dispute?
Commercial disputes may involve general liability, property, business interruption, directors and officers, professional liability, employment practices, cyber, environmental, auto, excess, umbrella, or specialty policies.
What is the difference between the duty to defend and the duty to indemnify?
The duty to defend concerns whether an insurer must provide or pay for a legal defense. The duty to indemnify concerns whether the insurer must pay a covered settlement, judgment, or loss.
What is a reservation-of-rights letter?
A reservation-of-rights letter states that an insurer may provide a defense while reserving the ability to dispute coverage for some or all of the claim.
How are insurance coverage disputes resolved?
Some disputes are resolved through policy analysis, negotiation, or mediation. Others may require arbitration, declaratory judgment litigation, trial, or appeal.
When should I contact an insurance coverage attorney?
You should consider contacting an attorney when a significant claim, denial, reservation of rights, policy-limit concern, or coverage dispute arises. Early analysis can help preserve rights and identify relevant policies.
Contact Lommen Abdo
Whether you are evaluating coverage, responding to a denied claim, addressing a reservation of rights, or preparing for a coverage dispute, Lommen Abdo can help. Contact our team to discuss your insurance matter and available options.
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