Insurance Recovery

Your company’s insurance policies are more than just contracts—they are essential assets that safeguard your business, family, and financial future. When disaster strikes or unforeseen losses occur, you need to be able to rely on your insurance coverage to protect your viability and bottom line. However, insurance companies don’t always honor their obligations, and navigating the claims process can be complex, time-consuming, and frustrating.

What We Do: 

Bailey Glasser's Insurance Recovery lawyers exclusively represent policyholders, ensuring we’re conflict-free and able to take on any insurer. Unlike firms that represent insurance companies, our sole focus is to protect businesses and individuals who need coverage when it matters most.

We represent both companies and individuals who have suffered partial or total losses related to valuable property, equipment, business interruptions, and other covered risks. Whether a claim involves a catastrophic event, a denied business interruption claim, or a dispute over property damage, we work to ensure our clients receive the benefits they paid for and were relying on receiving. Our work also spans the range of phases of the risk management process, including policy review, renewal issues, tender of claims, and negotiation.

Our team has a deep understanding of the claims process. We work proactively to secure partial or interim payments from insurers, even when coverage disputes exist on certain items or issues. We know that delays in payments can be devastating, so we push insurers to honor their commitments as quickly as possible. When necessary, we engage in negotiations, mediations, and strategic settlements to help clients resolve disputes efficiently while maximizing recovery.

Navigating Insurance Policy Pitfalls and Protecting Your Rights

We also help our clients navigate the technical complexities of dealing with insurers after a loss. Many policies contain strict conditions, exclusions, and procedural requirements that can create roadblocks to recovery. For example, insurers may attempt to deny coverage by claiming that losses were caused by exclusions like "abandonment" or "negligence," as seen in cases where mining equipment or property is claimed to be abandoned after a collapse or other accident. 

Our attorneys identify and address potential pitfalls, ensuring that policyholders do not fall victim to time traps or technical policy loopholes that insurers may use to deny or minimize claims. Our goal is simple: to get you and your company back up and running as quickly as possible while protecting your financial stability and long-term success.

At our core, we're trial lawyers. If your insurance company refuses to pay or unreasonably delays payment, we’re fully prepared to take your case to court. Our litigation team has extensive experience handling insurance coverage disputes, and we’ve successfully recovered substantial compensation for our clients in state and federal courts across the country, as well as in arbitrations and mediations.

Why Choose the Insurance Recovery Lawyers at Bailey Glasser? 

Our work is recognized by Best Law Firms as a Tier One firm in the Litigation – Insurance category (Charleston, West Virginia), and Rebecca Pomeroy, our Insurance Recovery Team’s leader, has been recognized by Best Lawyers in the same category.  Our group includes Chambers & Partners-recognized litigators, including Band One-ranked trial lawyers like founding partner Brian A. Glasser, Practice Area Leader Nick Johnson, and Commercial & Environmental Litigation Practice Group Leader Cary Joshi.

Some examples of our recent work include:

• Winning an appeal against Lloyd’s of London which attempted to deny coverage of expensive mining equipment entombed under a collapse on the basis that it had been “abandoned.” On appeal, the appeals court agreed with our position that the loss wasn’t caused by the abandonment. The matter now is back at the trial level for further proceedings.
• Winning a $32.7 million jury verdict in lawsuit against insurance companies indirectly owned by Chubb INA Holdings, Inc. The lawsuit stemmed from Chubb's denial of insurance coverage of damages after the collapse of a coal storage silo. The U.S. Court of Appeals for the Fourth Circuit upheld the jury verdict and reinstated contract damages awarded by the jury.
• Winning a $4.284 jury verdict in the District Court of Maryland on a breach of contract claim against Universal Underwriters regarding the insurance company’s refusal to defend its insured in an underlying investigation. The U.S. Court of Appeals for the Fourth Circuit affirmed the jury verdict.
• Representing over a dozen homeowners related to major financial losses caused by a large home gas explosion in Maryland.

Related Practices

Learn More About Our Successes +

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Our Team

Experience

• Winning an appeal against Lloyd’s of London which attempted to deny coverage of expensive mining equipment entombed under a collapse on the basis that it had been “abandoned.” On appeal, the appeals court agreed with our position that the loss wasn’t caused by the abandonment. The matter now is back at the trial level for further proceedings.
• Winning a $32.7 million jury verdict in lawsuit against insurance companies indirectly owned by Chubb INA Holdings, Inc. The lawsuit stemmed from Chubb's denial of insurance coverage of damages after the collapse of a coal storage silo. The U.S. Court of Appeals for the Fourth Circuit upheld the jury verdict and reinstated contract damages awarded by the jury.
• Winning a $4.284 jury verdict in the District Court of Maryland on a breach of contract claim against Universal Underwriters regarding the insurance company’s refusal to defend its insured in an underlying investigation. The U.S. Court of Appeals for the Fourth Circuit affirmed the jury verdict.
• Representing over a dozen homeowners related to major financial losses caused by a large home gas explosion in Maryland.
• Obtaining a $4.62 million award in a declaratory judgment action where the insurer refused to defend a large automotive retailer in a prior litigation
• Successfully assisting a client in obtaining partial payment of a judgment for an employment claim of a former employee; with our assistance the insurance company agreed to pay 60% of a $400,000 judgment after refusing to pay anything on the claim, and to reimburse the client for defense costs
• Representing an investment firm in a case to recover damages pursuant to the insurance company’s refusal to provide a defense and indemnification in a lawsuit alleging negligent investment advice; case resolved on favorable terms for the client shortly after the case was filed against the insurance company
• Bringing a declaratory judgment case against several insurers seeking declaratory relief involving commercial general liability policies for contractors; case involved coverage area disputes and denial of indemnity claims based on workmanship exclusions

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