Insurance Coverage

Developing effective case strategies for insurance clients requires an understanding of all aspects of insurance policies. Our insurance lawyers serve as both coverage counsel and litigation counsel for our insurer clients, and for decades, our attorneys have been guiding them through the myriad of coverage disputes that arise, including personal, commercial, business, professional, health, disability, as well as excess and umbrella policies.

We carefully evaluate coverage positions to create strategies for successful resolution including the preparation of coverage opinions, reservation of rights letters, non-waiver agreements, and denial letters. This enables our clients to make reasoned and fair decisions concerning their policyholders. And when litigation becomes necessary, our attorneys are prepared to litigate coverage issues through trial and appeal, including the prosecution and defense of actions for declaratory relief.

Insurance Coverage Services

Extra-contractual liability defense of insurance companies

  • Liability defense for agents, adjusters, and other claims professionals
  • Defense against punitive damages in bad faith litigation
  • Declaratory judgment matters in federal courts across the southeast


HAT also provides the following non-litigation services:

  • Prompt and accurate coverage opinions
  • Extra contractual liability evaluations
  • Coverage issues associated with roding policies
  • Commercial General Liability coverage evaluations
  • Personal and Individual Liability coverage evaluations