The retrieval or reconstruction of a lost or misplaced CGL insurance policy can protect a company from severe financial loss. A well-conducted insurance archaeology project can provide millions of dollars in defense costs and indemnity to business owners faced with response costs for injuries and damages occurring under previous management but surfacing recently.
Our insurance archeology services locate insurance evidence to enhance known coverage, reconstruct corporate histories, and identify and locate other responsible parties. We use an effective combination of computer-based research, personal interviews, and boots-on-the-ground investigative techniques to gather leads and track down the evidence needed to reconstruct our client’s insurance coverage portfolio. We have one of the largest specimen policy libraries to ground-truth evidence of coverage and help reconstruct potentially missing portions of policies. Our coverage charts depict which policies were in place during each policy period to determine insurance claims options.
For policyholders who have already spent their own funds to address liabilities, we try to recover expenses relating to environmental remediation, product recalls, and other expenditures made before the policyholder could access their historical coverage.