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 New York, insurance coverage disputes between an insurer and the insured can arise when a claim is made for a loss due to events like theft or fire, or when the insured is sued and seeks defense from the insurer. The insurer may deny the claim, provide coverage, or agree to defend under a reservation of rights (ROR), which allows the insurer to provide a defense while still reserving the right to deny coverage later based on the terms of the policy. These disputes are governed by the terms of the insurance policy and New York state law, which can be complex. Policyholders in New York may find it beneficial to consult with an attorney who specializes in insurance coverage to navigate these disputes, understand their policy, and ensure their rights are protected. An attorney can assist in negotiating with the insurer, challenging denials of coverage, and, if necessary, litigating the matter in court.