Partner, McCarter & English, LLP; Associate, McCarter & English, LLP; and Associate, McCarter & English, LLP, respectivelyBrian J. Osias is a partner and Nicholas M. Insua and Jason M. Alexander are associates in the Newark, NJ office of McCarter & English, LLP, which also has offices in Boston, MA, Hartford, CT, Stamford, CT, New York, NY, Philadelphia, PA, and Wilmington, DE. The authors regularly and exclusively represent policyholders around the country in complex insurance disputes. The views expressed in this article do not necessarily reflect the position of their firm or its clients. Issues related to insurance coverage are fact specific, and their resolution will depend on the precise insurance policy terms involved and the law governing the disputes, which varies from state to state.