Insurance Law

Our insurance law team provides a wealth of resources to satisfy the insurance needs of the firm’s clients nationwide.  Whether it involves resolving disputes or assisting in transactions, the team routinely reviews and advises on the scope of insurance coverage available or that may be needed.  

Gray Reed’s Expertise


Our team collectively has decades of experience in resolving insurance disputes.  Our pre-litigation work involves analyzing insurance policies in light of the particular loss at issue and related facts and advising clients regarding the existence of and/or limitations to coverage.  We work with clients to resolve coverage disputes to avoid formal coverage litigation.  When there is coverage litigation, however, we zealously represent clients in declaratory judgment, contract and bad faith actions.


Our team also has significant experience in advising clients on insurance issues as part of their transactional matters.  We are involved in review of insurance matters as part of the due diligence in an acquisition or sale.  We also routinely advise clients about specific endorsements and riders to insurance policies as part of the underwriting process.  We conduct insurance policy portfolio reviews as part of the renewal process and advise about expanded coverage or gaps in coverage.  And, we review contracts and advise clients regarding insurance requirements language and potential gaps in coverage for indemnity obligations and additional insured responsibilities.        

Breadth of Insurance Policy Experience

Our team’s experience traverses many industries, particularly in the oil and gas, construction and banking spaces, but also in manufacturing, healthcare, consumer, property management, agriculture and other financial services sectors.  Our knowledge involves regular and expansive review of and advice regarding the following insurance products:

Property & Casualty:

  • Commercial General Liability (CGL)
  • Product Liability
  • Property
  • Worker’s Compensation/Employer’s Liability
  • Commercial Auto/UIM
  • Marine
  • Umbrella/Excess/Bumbershoot

Financial Lines:

  • Directors & Officers (D&O)
  • Professional Liability (E&O)
  • Employment Practices Liability
  • Employee Dishonesty/Fiduciary Bond/Crime
  • Fiduciary Liability
  • Cyber
  • Representations & Warranties (R&W)
  • Umbrella/Excess

Personal Lines:

  • Homeowners
  • Renters
  • Auto/Motorcycle/Boat
  • Flood
  • Umbrella/Excess


  • Health Plans
  • Medicare/Medicaid/State agency-related coverage and claims
  • Provider-related policies

Access to Resources and General Counsel Capabilities

As a full service firm, we are uniquely positioned to effectively represent and counsel clients beyond routine or the most complex insurance matters. When a client's need goes beyond the expertise or jurisdiction of an insurance law attorney, our firm has a worldwide network of lawyers for international and cross-border issues and other Gray Reed attorneys who focus on areas such as banking & financeenergyconstructionhealthcarelabor & employmentmergers & acquisitionsprivate equitytaxreal estategovernment investigations & complianceappellate and commercial litigation. These resources allow us to serve as outside general counsel for our clients and help solve nearly any issue they may face in the life cycle of their business. 

Why Clients Feel at Home at Gray Reed

Your experience with our insurance team will accomplish your goals and objectives fully while enjoying a common sense approach. We are collegial and collaborative, but aggressive when necessary, to get to the finish line. We not only identify the options, but also provide our recommendation based on your goals, your business and our extensive insurance industry experience and knowledge of applicable law.

Thought Leadership / News
May 6, 2022 
 Speeches and Presentations
Insurance Law Update

Texas Association of Defense Counsel - Spring Meeting

July 9, 2021 
 Speeches and Presentations
Covid and Snowvid: Insurance Lessons Learned

Texas Association of Defense Counsel Summer Seminar

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