Insurance Coverage & Bad Faith


For decades, the attorneys Howard & Festa have represented insurers across the United States in a wide variety of insurance coverage matters, from coverage opinions to defending lawsuits alleging bad faith.  


We are a valuable resource for insurance companies.  We offer accurate advice regarding how various policy provisions and forms might be interpreted under the laws of a variety of states. Our services include not only the review of claims to determine whether or not any coverage obligations are triggered, but also the preparation of formal reservation of rights and/or denial letters.  We also evaluate the utility of pursuing legal means to resolve coverage disputes, including interventions and/or declaratory judgment actions. 


We protect clients’ interests and rights


Our insurance coverage attorneys counsel insurers facing claims or imminent coverage disputes under all types of insurance agreements, including, but not limited to:


  • Commercial General Liability

  • Business Property 

  • Automobile

  • Commercial Automobile

  • Excess

  • Umbrella

  • Performance Bonds and Sureties

  • Homeowners

  • Health Care