Parties, Roles, and Litigation Teams
Claims and Risk Roles
Coverage analysts review policy language against claim allegations, identify exclusions and conditions, draft reservation of rights communications, and recommend coverage positions.
The function is separate from liability claims handling.
Alternative Names:
Coverage Specialist, Coverage Examiner
Why it Matters?
The separation between coverage and liability handling is what preserves the insured's position, since the same person evaluating coverage and directing the defense creates the conflict independent counsel rules address. Communications with the coverage analyst may not be protected as to the insured. Defense counsel should understand where coverage analysis sits before sharing information that could inform a denial.
Frequently Confused with
Related terms
Frequently asked questions
Why are coverage and liability handling separated?
What should defense counsel understand?
