We have broad experience in insurance law, including the defense of insureds in complex actions and defense of insurance companies in first-party disputes. Our insurance clients have retained us for defense in a wide variety of tort claims, including personal injury, premises liability, wrongful death, products liability, disability discrimination, and employment claims. In addition to our defense practice, we assist carriers in addressing coverage issues, acting either as coverage counsel prior to denial or acceptance of a claim or as defense counsel in cases alleging bad faith and a breach of the obligation to defend or indemnify. We have pursued numerous declaratory relief actions on behalf of our insurance clients seeking to establish the insurance company's rights and obligations under various policies of insurance, including comprehensive general liability policies, personal injury policies, and umbrella policies. T.R. Sugano heads this practice area (see Biographies).