Practice
Ross Law Group represents carriers through the life of a claim, on first and third-party coverage across personal and commercial lines. Coverage counsel is nationwide; litigation is in Illinois and Indiana.
Each matter begins by learning the concern behind the carrier’s question, the exposure, and what has already been done on the claim. The advice then answers the question actually being asked, plainly and in an organized form that a claims professional can act on. The firm does the work the question requires, and no more, so legal expense stays in proportion to what is at stake.
The firm stays with the matter through whatever follows, including litigation. Keeping the carrier informed is of paramount importance, so updates come without being asked. It is firm policy to respond to claims professionals within 24 hours, and usually the same day.
The firm is built for direct engagement—personal attention to every matter, tailored to the way each claims organization works.
First and third-party coverage questions across personal and commercial lines, from first notice.
The firm evaluates first and third-party coverage issues from first notice, under the law of whichever jurisdiction governs the claim. The firm interprets the policy, analyzes the duty to defend and the duty to indemnify, and counsels the claims organization until the question is resolved. The work spans personal and commercial lines, including:
- Commercial General Liability
- Motor Carrier
- Commercial and Personal Auto
- Homeowners
- Employment Practices Liability
- Umbrella & Excess
- Directors & Officers and Other Claims-Made Policies
Tenders to other responsible parties and their insurers, and the evaluation of tenders received.
The firm identifies opportunities to transfer a loss to other responsible parties and their insurers through evaluation of the facts, contracts, and policies involved in a claim, and evaluates tenders made to its clients on the same terms.
- Additional-Insured Tenders
- Illinois Targeted Tenders
- Contractual Indemnity
- Tender Evaluation and Response
Which policy responds first, and how primary and excess layers share a loss.
Where more than one policy may apply to a loss, the firm advises primary and excess insurers on how and when each layer responds.
Disputes among insurers, and recovery from a carrier that has not met its obligations.
The firm resolves disputes among insurers and pursues recovery from a carrier that has not met its obligations, by demand where possible and by suit where necessary.
- Equitable Contribution
- Subrogation
- Reimbursement of Defense and Indemnity Payments
- Estoppel and the Consequences of a Breach of the Duty to Defend
Declaratory judgment actions in the state and federal courts of Illinois and Indiana.
In Illinois and Indiana state and federal courts, the firm prosecutes and defends declaratory judgment actions and coverage disputes.