Insurance companies owe their shareholders a duty to act with prudence and business sense when dealing with claims for payment. Fulfilling this duty sometimes results in claims being denied because they are not covered by a given policy, or benefits being offered that are less than policy limits yet adequately cover the damages that were incurred. Unfortunately, these actions leave the insurance company vulnerable to litigation by the insured on coverage issues or claims of bad faith. In these instances, insurance companies need experienced attorneys who can ensure that the plaintiff will receive no more than the minimum amount to which they are entitled. Dwyer, Daly, Brotzen & Bruno, LLP developed recognized expertise in the field of insurance coverage analysis and in providing legal opinion regarding coverage and insurers' duty to defend.