Casualty & Specialty Lines Coverage

For more than four decades, Cozen O’Connor has provided liability coverage and claims counsel to major domestic and international foreign property insurers. Our team of renowned third-party practitioners works closely with clients to efficiently resolve complex claims and advance industry goals.

With offices in 30 cities, the firm represents liability insurers across the United States and is capable of providing prompt and tailored state-by-state coverage counsel. Cozen O’Connor attorneys have direct experience with virtually every type of casualty or specialty insurance product, including:

  • Advertising Injury
  • Aviation
  • Climate Change
  • Concussion Injuries
  • Construction Defect
  • Cyber Liability
  • Environmental Exposures
  • Excess & Surplus Lines
  • Food Contamination/Recall     
  • Health Care
  • Kidnap, Ransom & Extortion
  • Life Sciences
  • Municipal Liability Insurance
  • Ocean Marine/Inland Marine
  • Political Violence, Political Risk and Credit Insurance
  • Product Liability/Recall
  • Sexual Abuse
  • Telephone Consumer Protection Act  
  • Toxic and Other Mass Torts

Cozen O’Connor is frequently charged with developing and executing strategies for management of excess-of-limits exposures where liability is significant but coverage is disputed. To this undertaking, we bring cutting-edge knowledge of good faith claims handling and consent judgment practices. Our team has successfully tried complex coverage, allocation and bad faith/excess-of-limits cases to verdict in numerous jurisdictions.

Having worked at the forefront of liability coverage litigation for decades, our attorneys are vigilant about evaluating and responding to emerging risks. We regularly provide major insurers training and education on new trends in the law and assist with policy drafting and claim preparedness. We have substantial experience as National Coordinating Counsel for class actions and multi-district litigation.

Cozen O’Connor is also distinguished by our working knowledge of insurer operations and the insurance marketplace, which allows us to partner with clients to provide practical, sophisticated and effective legal advice at truly sustainable rates.



NY Appellate Court: Liability Insurer Cannot Recover Defense Costs Absent Express Policy Provision [Alert]

January 11, 2021

Melissa Brill, Laura Dowgin, and Farrell Miller discuss the decision in American W. Home Ins. Co. v. Gjonaj Realty & Mgt. Co. and what insurers in New York need to do if they want to recover its defense fees when there is ultimately no duty to indemnify.

Insurer May Not Intervene Into Insured’s Construction Defect Trial To Seek Allocation of Damages [Alert]

June 03, 2020

Tracy Eggleston and Denise Bessellieu discuss the state Supreme Court's decision in Builders Mut. Ins. Co. v. Island Pointe, LLC, and what insurers need to know.

Observations on Erie Insurance Exchange v. Moore: A Misapplication of Precedent

May 06, 2020

Debbie Minkoff and Stephen Kempa discuss the Pennsylvania Supreme Court's ruling in Erie Insurance Exchange v. Moore.

New York High Court: Policyholders Must Bear Their Share of Long-Tail Claims [Global Insurance Alert]

April 10, 2018

Laura B. Dowgin discusses the big win for insurers in the New York Court of Appeals as this decision instructs New York courts to look at the terms of the insurance contract at issue, and where no coverage was given, and no premium received, the risk of liability is placed on the policyholder.

7th Circuit: Damage to Property Exclusion Applies Broadly to Damage Caused by Defective Work

January 08, 2018

Melissa Brill and Alexander Selarnick discuss the Seventh Circuit's decision in W. Side Salvage, Inc. v. RSUI Indem. Co.

New Jersey Court: Continuous Trigger Ends When Nature of Damage Is Known [Global Insurance Alert]

October 26, 2017

Melissa Brill and Laura Dowgin discuss the decision in Air Master & Cooling, Inc. v. Selective Ins. Co. of Am., and its impact on progressive property damage claims in New Jersey.

Allocation Governed by “All Sums” Where Policy Contains “Prior Insurance” or “Non-Cumulation” Clause

July 24, 2017

Melissa Brill and Alexander Selarnick discuss the Second Circuit adoption of the New York Court of Appeals’ previous holding that the “all sums” provision in the insuring agreement permits an insured to access the limits of all policies in any triggered year, when the insurance policies contain “prior insurance” or “non-cumulation” clauses.

New York High Court: No Coverage for Additional Insured Where Named Insured Is Not Partially Liable [Global Insurance Alert]

June 07, 2017

Melissa Brill and Laura Dowgin discuss a Court of Appeals decision that expressly rejects that there is no material difference between the phrases “arising out of” and “caused, in whole or in part by” in additional insured endorsements.

Ninth Circuit: Excess Insurers Must Tread Carefully When Rejecting Demands Exceeding Primary Limit [Global Insurance Alert]

April 03, 2017

Michael Melendez discusses the Teleflex decision that provides persuasive authority that excess insurers in California must seriously consider settlement demands exceeding primary limits in electing whether to accept the settlement, reject it and assume the insured’s defense, or reject it and decline the insured’s defense.

Ultimate Game-Changer? Concussion-Related Injuries and Litigation

April 01, 2017

Joe Ziemianski and Andrea Cortland, of Cozen O'Connor's Global Insurance department, co-authored an article for FDCC Insights titled, "Ultimate Game-Changer? Concussion-Related Injuries and Litigation."

Washington: Product Manufacturers Must Warn Hospitals; May Be Strictly Liable for Failure to Warn [Global Insurance Alert]

March 08, 2017

Terri Sutton discusses manufacturers of medical devices in Washington's new duty to warn hospitals that purchase their devices, and that product manufacturers of “unavoidably unsafe products” may face strict liability for failure to warn claims.

Oregon Supreme Court Rules Insurer May Owe Attorney Fees Even After Settlement [Global Insurance Alert]

March 01, 2017

Terri Sutton discusses the Oregon Supreme Court's ruling in Long v. Farmers Insurance Company of Oregon that “when an insured files an action against an insurer to recover sums owing on an insurance policy and the insurer subsequently pays the insured more than the amount of any tender made within six months from the insured’s proof of loss, the insured obtains a ‘recovery’ that entitles the insured to an award of reasonable attorney fees.”

Driverless Vehicles and the Effect on Insurance [DRI For The Defense]

May 30, 2016

Julia Molander and Yevgenia Wiener of the Global Insurance Department discuss driverless vehicles, which will require a new liability paradigm.

Ultimate Game-Changer? Concussion-Related Injuries and Litigation [The FDCC Quarterly]

July 01, 2015

Joseph Ziemianski, Andrea Cortland, and other industry professionals, co-wrote this article in The Federation of Defense and Corporate Counsel Quarterly which discusses litigation related to concussions in sports.

Liability Insurance Coverage for Clergy Sexual Abuse Claims [Connecticut Insurance Law Journal]

April 01, 2011

Richard Mason, of the Global Insurance Department, co-authors this Connecticut Insurance Law Journal with Peter N. Swisher of the University of Richmond, discussing clergy sexual assault claims.

Events & Seminars

Upcoming Events

In2Risk 2021

September 24, 2021 - Lake Buena Vista, FL

Terri Sutton will present at the CPCU Society's In2Risk 2021 on September 24, 2021. In2Risk 2021 offers two engaging ways to participate – in person in Orlando at Disney's Coronado Springs Resort or virtually for an online experience.

Past Events

Emerging Legal Issues in Health and Pharmaceutical Law

October 10, 2017 - Indianapolis, IN

ACCEC's 5th Annual Meeting

May 10, 2017 - Chicago, IL

2016 PLRB Large Loss Conference

October 04, 2016 - Chicago, IL

2016 CLM Claims College

September 07, 2016 - Baltimore, MD

2015 Casualty & Specialty Products Seminar

November 19, 2015 - New York, NY

In The News

Marijuana Insurers in Holding Pattern After Sessions Memo [Business Insurance]

April 17, 2018

Stephen Pate, of Cozen O'Connor's Global Insurance department, was quoted in the Business Insurance article, Marijuana Insurers in Holding Patter After Sessions Memo.


Laura B. Dowgin


(212) 453-3775

Michael W. Melendez


(415) 593-9610


Related Practice Areas

Related Blogs

Avoiding Insurance Bad Faith

Covering state and federal bad faith decisions and practices impacting insurers.

Cyber Law Monitor

Following current trends in cyber, privacy, and data security law.

Property Insurance Law Observer

Covering first-party decisions and developments.

Upcoming Event:

In2Risk 2021

Lake Buena Vista, FL 09/24/2021

Terri Sutton will present at the CPCU Society's In2Risk 2021 on September 24, 2021. In2Risk 2021 offers two engaging ways to participate – in person in Orlando at Disney's Coronado Springs Resort or virtually for an online experience.

Event Details

Keep up-to-date with the latest news from Cozen O'Connor

Enter your City or Zip.

Probably shouldn't change this:
Sign up to receive alerts, publications, and event / webinar invites.

By submitting your contact information, you are giving Cozen O'Connor consent to contact you via email.