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Excess insurance provides coverage beyond primary coverage or a self-insured retention. Accordingly, disputes as to the applicability of excess coverage can arise both between the excess carrier and the insured and between the excess carrier and the primary carrier or other excess carriers. Litigation concerning excess carrier policy obligations may include issues such as the rights of excess insurers to challenge allocations and excess/primary relationships, horizontal versus vertical exhaustion of primary limits and the duties of an excess carrier when the underlying primary insurer becomes insolvent.
Our Insurance Practice Group possesses a practical understanding of these often ambiguous areas and has experience representing and protecting the rights of excess insurers in litigation. We are able to readily apply our knowledge of insurance law and other applicable legal precedent in the defense of insurance companies and businesses with regard to excess insurance cases. Our attorneys have tried declaratory judgment actions and defended bad faith suits to verdict in both South Carolina state and federal jurisdictions.
Check out our South Carolina Insurance Law Blog for the latest legal updates on insurance coverage in the Palmetto State.