• 7 minutes

Insurance Principles to Remember When Reading and Understanding Your Policy


Policy language can make a huge difference.

Policy language is the starting point for any coverage analysis. Even the placement of a comma can be important. The general construction of a policy grants coverage which can be construed broadly, and exclusions must be strictly construed. This video reviews basic insurance principles for reading and understanding your insurance policy, including contra proferentum.

Runtime: 6 minutes



Kevin B. Dreher

Kevin B. Dreher

Barnes & Thornburg LLP

  • Partner, Barnes & Thornburg LLP, co-chair of Insurance Recovery Practice
  • Litigator and trial lawyer focusing on insurance recovery on behalf of policyholders, complex commercial litigation, and dispute-related counseling
  • Has represented policyholders and recovered hundreds of millions of dollars in a wide range of insurance coverage disputes, including long-tail environmental, toxic tort, and asbestos claims under general liability policies; claims for media liability and PAIL coverage; losses stemming from natural and man-made disasters and COVID-19 under first-party and business interruption insurance; securities and fiduciary duty claims triggering D&O liability coverage and professional liability insurance; and losses under ocean cargo marine and storage policies
  • Can be contacted at [email protected] or 312-214-8308
Bradley H. Dlatt

Bradley H. Dlatt

Perkins Coie LLP

Bradley Dlatt

  • Counsel in the insurance recovery practice in Perkins Coie LLP’s Chicago office
  • Practice focuses on providing insurance counseling to businesses and resolving insurance coverage disputes, including representing corporate, non-profit, and individual policyholders in coverage mediation, arbitration, and litigation
  • Recognized by Business Insurance as a 2022 Break Out Award winner, recognizing the top professionals under 40 years old in the insurance industry
  • Regularly writes and presents on insurance coverage issues
  • Can be contacted at [email protected] or 312-324-8499

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