Professional Liability Coverage

Sedgwick lawyers provide a broad array of services to the professional lines insurance industry. These services include due diligence and pre-underwriting audits; claims reviews to assess exposure and claims handling; policy and endorsement drafting; review of coverage issues and the rendition of coverage advice; and prosecution and defense of coverage actions and bad faith claims.

Sedgwick’s Professional Liability Coverage practice is part of the firm’s Insurance Division, one of the largest international teams of trial attorneys and business advisors dedicated to the institutional concerns and success of the insurance industry. Our clients cover the spectrum of the insurance industry and include some of the largest E&O and professional liability insurers in the business.

Legal, Financial Institutions and Accountants

Sedgwick lawyers provide comprehensive advice and assistance to U.S. and international insurers who write Fortune 500 financial institutions, AmLaw 200 legal firms, and Big Four accounting firms, as well as to those who write regional, local, and small institutions and firms. As some larger firms are insured by captives, Sedgwick also provides services respecting captive and reinsurance issues.

Healthcare

Sedgwick lawyers provide advice on a variety of healthcare accounts, including hospitals, physicians, managed care organizations, long-term care entities, clinical laboratories, research facilities, and pharmaceutical accounts. We also counsel insurers on fraud and abuse, HIPAA, Stark regulations, and Emergency Medical Treatment and Active Labor Act (EMTALA) issues.

Miscellaneous E&O

Sedgwick’s broad-based coverage department also handles miscellaneous E&O accounts involving, among others, credit reporting agencies, school boards, police departments, correctional facilities, house inspectors, title agents, debt collectors, and tattoo parlors.

Reinsurance

Sedgwick provides extensive reinsurance assistance on a variety of professional liability accounts and programs. Our services include analyzing reinsurance treaties and facultative placements; assessing exposure and coverage issues on ceded claims; conducting pre-underwriting due diligence and claim audits; drafting wordings and endorsements; and prosecuting and defending reinsurance disputes in litigation and arbitration.

Technology and Media

Sedgwick lawyers contribute to the development of technology-oriented professional liability insurance products, and provide a broad array of services to this rapidly developing segment of the insurance industry. Our attorneys have experience working with technology, new media, and film finance exposures and coverage issues, and litigate and otherwise provide advice regarding coverage issues involving the relatively new professional liability insurance policies issued to high-tech hardware, software, application services, e-commerce, hosting, and web content providers. Relevant issues often extend far beyond standard intellectual property matters to the application of traditional coverage principles to cutting-edge hardware and cyber technology such as polymers, semiconductor chips, and web applications.