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 Wyoming, insurance coverage disputes typically involve disagreements between the insurer and the insured about whether a particular loss is covered under the terms of the insurance policy. These disputes can occur after an insured event, such as theft or fire, or when an insured is sued 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 contest its duty to cover the claim. Wyoming follows the general principles of contract law in interpreting insurance policies, which require policies to be interpreted in a way that gives effect to the mutual intention of the parties as it existed at the time of contracting. When facing such disputes, it is advisable for the insured to consult with an attorney who specializes in insurance coverage to navigate the complexities of the policy language and the legal process. An attorney can help in negotiating with the insurance company, advocating for the policyholder's rights, and, if necessary, pursuing litigation to resolve the coverage dispute.