Businesses in the cannabis industry face unique risks and requirements that impact the types and amounts of coverage needed. The market for insurance may be limited. Policy language must be carefully reviewed and negotiated to protect against illusory coverage. And, in the event of an insurance claim, policyholders must be prepared to counter certain coverage-defeating arguments that insurers have specially tailored for this industry.

*Note: We are only able to provide these services in jurisdictions where ethically permitted, and reserve the right to withdraw representation if the federal government indicates that providing such legal services as described above violates federal law. 

Reed Smith’s insurance coverage lawyers are at the forefront of litigating novel coverage issues arising from the COVID-19 pandemic. We are advocating for a variety of companies in relation to COVID-19 insurance issues, including seeking coverage under property insurance, business interruption, contingent business interruption, civil authority, pollution insurance, event cancellation, workers compensation and general liability insurance coverages.

Our insurance coverage attorneys are thought leaders in this area and have been instrumental in shaping the narrative surrounding pandemic-related business interruption claims, working with United Policyholders to draft amicus briefs advocating key policyholder arguments.

Reed Smith offers a resource page that provides comprehensive access to our firm’s breadth of expertise in addressing the COVID-19 crisis. This includes prominently our insurance recovery strategies for accessing insurance resources to pay for losses and liabilities arising out of the global outbreak of COVID-19.

The environmental, social, and corporate governance (ESG) movement has given rise to a number of emerging risks and insurance issues. From shareholder lawsuits accusing publicly-held companies of failing to diversify their boards to environmental coverage claims and climate-change lawsuits, ESG-related litigation is on the rise. Moreover, extreme weather events have prompted an uptick in property damage, civil and political unrest, and supply chain disruption claims. The global risk market is in the process of re-evaluating the financial effects of ESG claims as the frequency and size of these losses increase.

Our insurance coverage attorneys advise policyholders on the evolving ESG landscape, assist clients with ESG-related insurance concerns, and help corporate policyholders review their insurance and risk management programs to better address emerging ESG risks. We also have broad experience in resolving disputes over whether and how ESG claims are covered under existing insurance programs. We have successfully helped clients navigate coverage through novel climate change litigation and obtained recoveries in key areas such as environmental liabilities, asbestos-related claims, and other toxic torts. Our attorneys work with some of the world’s largest energy companies concerning the impact of climate change on their businesses, helping to protect them using insurance and other strategies.

Reed Smith’s hurricane insurance coverage lawyers in Miami and throughout the firm have a thirty-year track record of helping policyholders recover for property damage, business interruption, and other losses after a hurricane.

Insurance recoveries can help companies get back to business and enable individuals to recapture some semblance of normal life. Together with government assistance programs, such as FEMA recoveries and Small Business Administration loans, accessing flood insurance, commercial property insurance, business interruption insurance, and lost rental insurance coverage is part of a broader effort to pull together the necessary resources to recover and rebuild.

Reed Smith’s Insurance Recovery Group has helped people and businesses recover from natural disasters for decades, earning a reputation as an international leader in insurance recovery in the process. In Florida, that effort began with Hurricane Andrew, which made a historic landfall on August 24, 1992, and has since included every significant named storm in Florida, the Eastern Seaboard of the United States, and the Caribbean. Over the years, we have helped policyholders recover hundreds of millions of dollars of windstorm losses.

Many policyholders with international footprints purchase specialized coverage to protect their personnel, assets, and investments from political risks, as well as from the risk of kidnap and ransom. These policies are particularly prevalent in politically risky parts of the world, but they are not limited to these regions. Events that trigger coverage may include adverse government actions like asset confiscations, nationalization of property, or significant or discriminatory regulatory changes, and some policies are designed to protect an expatriate workforce, to assist in crisis management, or to pay for costs and interruptions resulting from war, terrorism, riots, and strikes.

These claims are typically complex and require legal analysis, valuation of damage and loss, and forensic estimation of lost revenue. Frequently, the policies require resolution of disputes in international arbitration. Reed Smith’s Insurance Recovery Group is experienced in these areas and has significant international arbitration experience in Latin America, Singapore, London, Paris, New York, Bermuda, and other locations across the globe.

Reed Smith has an interdisciplinary disaster response team that springs into action when there is a wildfire, hurricane or other natural disaster. Insurance recoveries help businesses get back to business and enable individuals to recapture some semblance of normal life. We look at insurance as part of a broader effort to pull together the necessary resources to recover and rebuild, which can include accessing flood insurance, property insurance, homeowners’ insurance, and business interruption insurance, as well as FEMA recoveries and Small Business Administration loans, and addressing mortgage and rental issues.

We have helped policyholders large and small in the aftermath of the California wildfires. Other disasters call for a similar response, and our lawyers were there to help businesses recover from the events of September 11 and are assisting clients with the COVID-19 pandemic.

医疗供应商身处竞争激烈、瞬息万变的环境，拥有经验丰富的保险顾问对医疗供应商而言至关重要。我们理解您的风险和风险管理选项，包括第三方保险和专业自保方案。我们可帮助您分析承保范围的不足，并与您的经纪商合作找出弥补差距的最佳途径。您为管理各类风险而投放大量资金，因此您应当了解您的保险金是否使用得当，并且当出现索赔情况时，您需要最出色的律师协助您未雨绸缪进行谈判，如有需要，甚至是提起诉讼，以使您获得所投购的保险赔偿。

您是否购买了施工缺陷保险？您的报险公司或许会回答没有。然而，您不能无动于衷。您可通过经纪商和我们的律师谨慎合作，设计一套计划让您能够在施工缺陷索赔时能够取得最大保险赔偿。施工保险的保障范围是最常见的保险诉讼议题之一，因为这一保障范围在不同州和不同国家均有差别。我们的保单持有人律师曾就这些问题及争议点成功进行诉讼，借助他们对您的帮助，您必将占据先机。

保险对于任何一家生命科学公司来说是其资产组合中的重要一环。正如您所知道的，各式各样的保险单总是无穷无尽，应接不暇，包括产品责任险、董事和高管保险、网络保险、临床试验保险、财产保险，还是犯罪和忠诚保险。

我们的保险理赔律师经验丰富，能够及时响应您的需求。我们为生命科学行业的各方面的客户提供法律服务，从保单审查、制订和续订问题，以至合同审查、并购尽职调查中的保险资产分析、提交和解决索赔（包括就承保范围提出主张），再到争议的协商。如有必要，我们的团队还可代表您的公司进行诉讼和仲裁，帮助您争取理想的结果。

鉴于生命科学业务的全球性，无论保险事件在何地发生，我们均有能力帮您处理。

针对您的企业所面临的诉讼，您是否尽量扩大您的保险承保范围？如果您的企业因财物损失、人身伤害或某种侵权（如永久形式诽谤或短暂形式诽谤）而被第三方控告，综合普通责任保险（CGL）保单可为您的公司支付辩护费用，以及任何和解或判决的费用。CGL保单可承保您在购买保险时的事宜，也可承保您在需要利用保险保障之时的事宜。我们经验丰富的律师将提出有益的建议，帮助您的公司处理这些事宜。几十年来，我们曾帮助向您一样的保单持有人将CGL保单项下的保险理赔最大化。

为董事和高管而设的保险保障通常是企业投保的最敏感的保险之一。我们理解投保D&O保险的微妙性质，长期以来擅长帮助像您和经纪商一样的客户评估各类选项、识别缺口、提供改进建议，并编制背书和保单原稿以满足保单持有人的需求。如遇索赔，我们可帮您分析潜在的保险保障渠道，以最有利的方式提出索赔，并积极参与谈判就该索赔争取保险赔偿。我们擅于不通过诉讼而解决争议（包括完全被拒绝保险的情形），但如有必要，我们将迅速有效地通过法院或仲裁为您争取索赔。

并购团队日益重视陈述和保证（R&W）保险，将其作为一项风险转移工具，一方面为了释放资本，另一方面为了使要约在卖方市场更具吸引力。

R&W保险市场近年已大幅改善，R&W保险市场愈发向收购协议和潜在的赔偿条款看齐，成本也越来越低。我们深谙哪些条款是“市场最佳”的条款，懂得如何通过谈判将哪些条款纳入您的保单中。我们还可作为索赔的诉讼人，由于我们了解法院和仲裁机构如何解释有争议的保单条款，因此我们有能力通过谈判使R&W保单更加成熟完善，同时避免日后的保险保障争议。您的需求是我们的首要任务。

不论员工索赔是否为您面临的最大风险，也不论员工索赔多么罕见，雇佣惯例责任保险（EPL）都可以有效减轻您的风险。礼德律师事务所全力帮助您预防此类索赔所带来的损害，首先确保您选择保障范围尽量广泛，而且让您在不论是选择顾问还是授权和解都具备必要的灵活性。其次，如果索赔确已出现，我们将协助您为辩护成本、和解和潜在的判决争取最大的保险保障。