Insurance coverage (and the related litigation) generally involves a dispute between an insurance company (insurer) and its policyholder (insured) regarding whether a loss suffered by the insured is covered by the insurance policy issued by the insurer.

Such coverage disputes may arise after the insured suffers a loss due to theft, fire, or other event—or when an insured (person or business) is served with a lawsuit and requests the insurer defend the insured in the lawsuit, but the insurer denies coverage or only agrees to defend the lawsuit under a reservation of rights (ROR).

Insurance contracts and insurance coverage issues are often complex and an insured is often well-served by promptly discussing these matters with an experienced insurance coverage lawyer.

In Connecticut, insurance coverage disputes typically involve disagreements between an insurer and the insured about whether a particular loss is covered under the terms of the insurance policy. These disputes can occur in various situations, such as after the insured experiences a loss from theft, fire, or another covered event, or when the insured is named in a lawsuit and seeks defense from the insurer. If the insurer denies coverage or agrees to defend under a reservation of rights (ROR), it means the insurer may later assert that the policy does not cover the claim. Connecticut law, including state statutes and case law, governs the interpretation of insurance policies and the obligations of insurers and insureds. It is important for policyholders to review their policies carefully and consult with an attorney specializing in insurance law to understand their rights and obligations. An attorney can help navigate the complexities of the policy language, advocate for the insured's interests, and provide guidance on potential litigation strategies if a dispute arises.