Property and Casualty Insurance

MH is a nationally recognized leader in property and casualty coverage and claims litigation. As to property litigation, MH has successfully managed a high-volume docket of commercial and residential property cases across the country.  Since the firm’s inception, MH has litigated across 11 “CAT” storms that range from small dollar cases to matters with damage models exceeding $70 million.  In handling well over a billion dollars in risk, MH has vigorously represented its property clients in state and federal courts, arbitrations, and before administrative agency tribunals. Our unrivaled insurance and litigation experience ensures that MH clients are protected from the initiation of a dispute through trial and appeal.

MH’s robust casualty litigation experience includes the preparation of coverage opinions and litigation in first and third-party cases across all lines of coverage.   MH represents commercial liability insurance carriers in cases involving complex disputes regarding the duty to indemnify or defend their insureds in high-profile mass litigation relating to various disaster events and other disputes involving property damage or bodily injury.  MH also negotiates cost-sharing agreements between its clients and other insurers, helping its clients to share indemnity or defense obligations with other primary and excess carriers based on time on the risk or other allocation methodologies.

In addition to its vast experience with traditional casualty policies, MH is also a leader in litigation related to the “gig economy”.  The gig economy refers to a labor market of freelance workers who work a “gig” to supplement their income or work as they please).  Frequently, gig economy casualty litigation involves unique fleet policies with high SIRs or retainers and touch on matters involving, personal injury, wrongful death, and employment/independent contractor issues. These cases frequently involve negotiations related to contributions from multiple carriers.

MH’s vast property and casualty experience includes:

  • Expertise in preparing coverage opinions for or litigating matters under general corporate liability, aviation, homeowner, renter, construction, auto, and fleet policies.
  • Advising clients in over 1,500 cases involving litigation arising from Superstorm Sandy and 11 “Cat” storms, including Hurricanes Rita, Ike, Irma, Isaac, Harvey, Hanna, Laura, Delta, Ian, Maria, and Zeta.
  • Litigating matters involving potentially catastrophic bad faith and extra-contractual damages.
  • Internal investigations of matters relating to potential liability or administrative penalty exposure.
  • Interpretation of excess and reinsurance coverage.
  • Pre-litigation disputes and investigations, appraisal management, and examinations under oath.
  • Third-party defense of insureds.
  • First party disputes with insureds regarding coverage issues and the duty to defend.
  • Disputes between carriers regarding allocation of coverage and defense obligations for an insured.
  • Representing carriers approved to issue flood insurance under the National Flood Insurance Program.

Whether facing isolated events affecting individual policyholders or catastrophic loss scenarios, MH’s comprehensive risk management experience will help you develop and execute the right strategy for your business or insured.