1. How to Read an Insurance Policy: Understanding Your Coverage Before a Loss Occurs

How to Read an Insurance Policy: Understanding Your Coverage Before a Loss Occurs

How to Read an Insurance Policy: Understanding Your Coverage Before a Loss Occurs
Event ID: 68936
Not for Sale
Recording: 11896

Duration: 90 minutes including question and answer session.
Presenter(s): Joseph G. Balice, partner, Brutzkus Gubner Rozansky Seror Weber LLP, Los Angeles, CA
$299.00, On-Demand includes full audio presentation, question and answer session, and presentation slides.
Who Should Attend? In-house counsel, risk managers, financial officers, outside counsel advising your institution

Despite the near ubiquity of insurance in modern commerce and business management, an alarming number of professionals – even in risk management and legal departments – have very little understanding of how their insurance policies work, or what they may or may not cover should a loss occur. The law in virtually every state holds that a policyholder is assumed to have read, understood, and agreed to all of the terms of every policy it buys. Realistically, that almost never happens. Although each policy is different, the vast majority of commercial insurance policies share the same anatomy. Given what is at stake should a policyholder face a loss, it is critical that attorneys, risk management professionals, and business owners understand the components of their policies to ensure that they are adequately covered or identify areas of risk exposure.

Please join Joseph G. Balice as he discusses the common components of insurance policies and special considerations you should take into account to help you understand your coverage and identify risk areas before a problem arises.


The program will:

  • Discuss certain practical limitations and obstacles in insurance contract formation
  • Explain the basic language of insurance policies
  • Break down a policy into its essential elements common to all policies
  • Describe how each component serves the policy as a whole
  • Address special issues including endorsements, riders, certificates and renewals
  • Highlight the “hidden” terms of insurance policies


Your conference leader for “How to Read an Insurance Policy: Understanding Your Coverage Before a Loss Occurs” is Joseph G. Balice. Joe is a partner with Brutzkus Gubner Rozansky Seror Weber LLP in Los Angeles, California. As a member of the firm’s commercial civil litigation team, Joe’s core practice is representing policyholders when insurance company carriers deny claims. Prior to joining Brutzkus Gubner, Joe worked as part of the nationally-recognized Insurance Recovery practice group in the firm of Anderson Kill. He has worked on virtually all lines of commercial and professional insurance (CGL, D&O, E&O, EPLI, property, crime, etc.), and has personally helped clients collectively recover over $400 million in insurance policy benefits throughout his career.


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