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 Wisconsin, insurance coverage disputes typically involve disagreements between an insurance company and the policyholder about whether a particular loss is covered under the terms of the insurance policy. These disputes can occur following incidents such as theft, fire, or other covered events. Additionally, disputes may arise when a policyholder is sued and seeks defense from their insurer, but the insurer either denies coverage or agrees to defend under a reservation of rights (ROR), which allows the insurer to provide a defense while still reserving the right to deny coverage for a claim at a later time. Insurance policies can be intricate, with various provisions and exclusions that affect coverage. Wisconsin law, including state statutes and case law, governs the interpretation of insurance contracts and the obligations of insurers to their policyholders. Given the complexity of these matters, policyholders in Wisconsin are often advised to consult with an attorney who specializes in insurance coverage to navigate potential disputes and to ensure their rights are protected.