L’assurance dédiée aux administrateurs et aux dirigeants constitue souvent l’un des achats les plus délicats pour une entreprise. Nous comprenons parfaitement la nature sensible qui sous-tend la mise en place d’une politique dédiée aux administrateurs et dirigeants et aidons, depuis de nombreuses années, des clients, comme vous et vos courtiers, à évaluer les différentes options, à identifier les lacunes, à recommander des améliorations et à rédiger des avenants ou rédiger des politiques afin de répondre aux besoins des assurés. En cas de sinistre, nous vous aidons à étudier les recours possibles, à formuler les demandes d’indemnisation de la manière la plus avantageuse qui soit et enfin à négocier de manière agressive afin de garantir la prise en charge du sinistre. Nous parvenons très souvent à résoudre les litiges, y compris en cas de refus catégorique, sans pour autant aller jusqu’au procès. Bien entendu, nous défendrons votre dossier de manière efficace s’il devait être soumis aux tribunaux ou faire l’objet d’une procédure d’arbitrage.

Les équipes spécialisées dans les fusions et acquisitions se servent de plus en plus de l’assurance « Déclarations et Garanties » (R&W) comme d’un mécanisme de transfert du risque, à la fois pour libérer des capitaux et pour rendre les offres plus alléchantes sur le marché des vendeurs.

La sphère de l’assurance R&W s’est considérablement élargie ces dernières années, s’alignant de plus en plus sur les contrats d’acquisition et les clauses de garantie sous-jacentes et tout ceci à moindre coût. Nous connaissons parfaitement les « meilleures conditions du marché » et savons comment les négocier dans le cadre de votre police d’assurance. Nous sommes également avocats plaidants dans le cadre de sinistres et tirons parti de nos exceptionnelles connaissances au regard de l’interprétation faite par les tribunaux et les arbitres des clauses d’assurance litigieuses afin de négocier des améliorations globales de vos politiques R&W dont l’objectif est d’éviter par la suite les litiges liés à la couverture d’assurance. Vos besoins sont notre priorité.

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.

Insurance is an important piece of the portfolio of assets of any life sciences company, but as you know, the variety of policies – product liability, directors and officers, cyber, clinical trials, property, crime and fidelity – may seem endless and overwhelming.

Our insurance recovery lawyers have the breadth and depth of experience to provide the answers you need.  We represent clients like you in all facets of the life sciences industry, on everything from policy review, formation and renewal questions to contract review, analysis of insurance assets in M&A due diligence, presenting and resolving claims (including advocating for coverage), and negotiating disputes. When necessary, our team will litigate and arbitrate on behalf of your company to work toward your desired outcome.

Given the global nature of the life sciences industry, we are uniquely situated to address insurance issues wherever they arise.

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.