General Liability
Comprehensive Defense for CGL Insurers
LRD represents commercial general liability (CGL) insurers in complex claims involving bodily injury, property damage, and personal and advertising injury. Insurers trust our attorneys nationwide to navigate intricate coverage issues and deliver sound strategies for resolution—whether through negotiation, litigation, or trial.
We bring deep experience in high-stakes liability exposures, from product recalls to environmental disasters, and offer practical, tailored counsel that balances risk, cost, and coverage concerns.
Our Expertise Includes Claims Involving:
Product Liability & Recalls
Guidance on coverage issues and defense obligations in connection with claims involving defective consumer products, pharmaceuticals, and medical devices.
Mass & Class Actions
Defense and coordination of insurer interests in mass torts and consumer class actions, including asbestos, opioids, and drug recalls.
Environmental & Pollution Liability
Advising insurers on cleanup claims, regulatory actions, and bodily injury/property damage arising from environmental exposures.
Construction Defect & Wrap Policies
Counseling insurers on wrap and Owner Controlled Insurance Program (OCIP) policies, addressing coverage, indemnity, and allocation disputes across the U.S.
Liquor Liability
Representing insurers in claims arising from special events, bars, and restaurants, including insured status issues, breach of warranty, and contribution.
Premises Liability
Handling bodily injury claims against insureds such as commercial landlords and property managers, including allegations of negligent security or maintenance.
Complex Coverage Issues
Deep knowledge of CGL policy provisions related to independent counsel rights, recoupment of defense costs, allocation among multiple insureds and insurers, and indemnity scope.
Representative Results
We’ve delivered results that have shaped precedent and reduced millions in potential exposure for our clients.
Represented CGL carriers in product liability litigation involving opioid manufacturers, asbestos-related claims, and defective consumer goods.
Represented liability insurer in environmental pollution claims, including advising on defense and indemnity under a pollution liability policy.
Represented general liability and life sciences insurers in high-profile mass torts, including drug recalls and mass shooting events, addressing complex coverage triggers and negotiating large-scale settlements.
Counseled liquor liability insurers covering special events and hospitality venues, managing coverage questions related to insured status and allocation.
Advised insurers on claims against commercial property managers involving tenant and visitor injuries due to alleged design or maintenance failures.
Represented insurers in construction defect disputes under wrap and OCIP policies nationwide.