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Dean & Fulkerson’s Insurance Coverage and Defense Practice Group, led by Karen Libertiny Ludden, is focused on protecting the interests of commercial insureds and carriers. Our practice group addresses every aspect of commercial representation, from insurance coverage to liability.  Since our coverage lawyers know liability law, and our liability lawyers know coverage law, there is a seamless understanding of what it takes to lift the burden of legal disputes and protect the interests of our clients.

Insurance Coverage

We have decades of experience in resolving complex coverage disputes involving carriers, agents, and insureds, especially those cases where coverage issues interfere with the prompt resolution of an underlying liability case.  Practical and efficient, we analyze and resolve coverage disputes quickly, so liability cases can proceed with the correct carrier, coverages, and limitations.  In cases where litigation is unavoidable, we have a sophisticated federal court practice to move the matter to a swift conclusion so clients can focus on their business. We have deep experience in many types of policies and endorsements including:

  • Additional Insureds
  • Business Interruption (BI)
  • Commercial Auto (CA)
  • Commercial General Liability (CGL)
  • Cyber Liability (CL)
  • Designated Products
  • Designated Work
  • Employment-Related Practices
  • Engineers, Architects or Surveyors Professional Liability
  • Errors & Omissions (E&O)
  • Excess Liability (XL)
  • Fungi or Bacteria Exclusions
  • Inland Marine (IM)
  • Limited Contractual Liability Coverage for Personal and Advertising Injury
  • Michigan No-Fault (PIP)
  • Products-Completed Operations
  • Professional Liability (PL)
  • Pollution Exclusions
  • Property Damage (PD)
  • Terrorism Exclusions

Commercial Liability Defense

When it comes to defending Michigan companies, we bring industry-specific field experience to every new matter, whether it is pre-suit or in litigation. We have 25 years of experience in protecting companies in this state, and every one of our attorneys has at least a decade of experience in their respective practice areas.  They do not learn their trade on a client’s case; they already know it.  We timely report, analyze and resolve disputes, so that both businesses and their insurance carriers can get back to work without the distraction of litigation.  We are skilled negotiators, and we know the local experts, investigators, and auditors you might need to defend your case.

Over the past 25 years, the Insurance Coverage and Defense Practice Group have defended commercial insureds in a broad spectrum of industries in all state and federal courts.  We have defended our clients in cases involving:

  • Business Interruption
  • Class Actions
  • Commercial Disputes
  • Construction Liability
  • Dram Shop
  • Environmental Claims
  • Personal Auto Accidents
  • Premises Liability
  • Product Liability
  • Property Damage
  • Risk Management/Loss Control
  • Suspected Arson
  • Trucking Accidents
  • Vicarious Liability

Each area of law requires someone who knows the unique elements of defense and the best way to negotiate resolutions.  Our industry knowledge spans a wide base, and we are attentive to your individual business concerns, including press and publicity, relationships with clients and business partners, and business interruption caused by litigation.  We represent many industries, some of which are:

  • Apartment Complexes
  • Banks
  • General Contractors
  • Individual Owner/Operators
  • Landscaping Companies
  • Medical Offices and Centers
  • Multi-Purpose Stores
  • Municipalities
  • Non-Profits
  • Salons
  • Security Companies
  • Snow Plow Companies
  • Subcontractors
  • Trucking Companies
  • Web-Only Stores

We also help businesses avoid litigation by offering risk control seminars, on-site legal inspections, and tips, to keep you out of the court-house and in front of customers. Call for a free discussion of our services.