← Back to workflows
Personal Injury

Coverage Opinion

Drafting comprehensive coverage opinions requires hours of policy analysis, fact review, legal research, and careful documentation. Attorneys must manually extract policy language, research case law, cross-reference exclusions, and synthesize complex legal analysis—a process that typically consumes 4-6 billable hours per opinion.

Automation ROI

Time savings at a glance

Manual workflow5.5 hoursAverage time your team spends by hand
With CaseMark12 minutesDelivery time with CaseMark automation
EfficiencySave 27.5x time with CaseMark

The Problem

Drafting comprehensive coverage opinions requires hours of policy analysis, fact review, legal research, and careful documentation. Attorneys must manually extract policy language, research case law, cross-reference exclusions, and synthesize complex legal analysis—a process that typically consumes 4-6 billable hours per opinion.

The CaseMark Solution

CaseMark automates coverage opinion drafting by intelligently analyzing uploaded policies and claim documents, extracting relevant provisions, researching applicable case law, and generating structured legal analysis. What once took half a day now takes minutes, allowing you to deliver faster client service while maintaining thorough, well-reasoned opinions.

Key benefits

How CaseMark automations transform your workflow

Generate complete coverage opinions in 12 minutes vs. 5+ hours manually

Automatically extract and quote relevant policy provisions from uploaded documents

AI-powered legal research finds and cites applicable case law and statutes

Ensure consistent structure with all required sections and qualifications

Cross-reference facts, policy terms, and legal authorities for comprehensive analysis

What you'll receive

Heading and Introduction
Summary of Relevant Facts
Insurance Policy Provisions
Legal Analysis
Conclusion
Qualifications and Disclaimers

Document requirements

Required

  • Insurance Policy
  • Claim Details

Optional

  • Prior Correspondence
  • Supporting Evidence

Perfect for

Insurance Defense Attorney
Personal Injury Litigator
Coverage Counsel
Insurance Paralegal
Solo Practitioner
Insurance Claims Attorney

Also useful for

This workflow is applicable across multiple practice areas and use cases

Commercial litigation frequently involves insurance coverage disputes, bad faith claims, and business interruption insurance matters requiring detailed coverage opinions.

Coverage opinions are essential in commercial litigation for analyzing D&O policies, E&O coverage, CGL policies, and other commercial insurance disputes that arise in business litigation contexts.

Employment litigation often requires coverage analysis for EPLI policies, D&O coverage for employment claims, and workers' compensation insurance disputes.

Employment attorneys regularly need to assess whether employment practices liability insurance, directors and officers policies, or other coverage applies to discrimination, harassment, and wrongful termination claims.

Real estate litigation involves title insurance coverage disputes, construction defect insurance claims, and property damage coverage assessments.

Real estate litigators frequently analyze title insurance policies, builder's risk policies, and property insurance coverage when representing clients in construction defects, property damage, and title dispute cases.

Financial Services72% relevant

Financial services attorneys analyze E&O insurance, professional liability coverage, and fidelity bond coverage for financial institutions and advisors facing regulatory claims.

Coverage opinions are critical in financial services for determining whether professional liability policies cover regulatory investigations, client claims, and compliance-related disputes.

IP litigation involves analyzing media liability insurance, E&O policies, and CGL coverage for advertising injury and intellectual property infringement claims.

IP litigators need coverage opinions to determine whether general liability or specialized IP insurance policies cover patent, trademark, copyright, and trade secret disputes.

Frequently asked questions

Q

How does CaseMark analyze insurance policies for coverage opinions?

A

CaseMark uses advanced AI to read and extract relevant provisions, exclusions, and definitions from uploaded policy documents. It automatically identifies applicable coverage sections and quotes pertinent language, saving hours of manual policy review and ensuring no critical provisions are overlooked.

Q

Can the AI find relevant case law for coverage analysis?

A

Yes, CaseMark searches legal databases and official resources to find, cite, and verify relevant case law and statutes. The AI applies governing law to your specific policy terms and facts, providing properly cited legal authorities to support your coverage analysis.

Q

What documents do I need to generate a coverage opinion?

A

You'll need the insurance policy and claim details at minimum. CaseMark analyzes these documents to extract facts, policy language, and relevant provisions. Optional documents like prior correspondence or supporting evidence can enhance the analysis.

Q

How accurate are AI-generated coverage opinions?

A

CaseMark generates comprehensive, well-structured opinions based on uploaded documents and verified legal sources. The AI follows standard coverage opinion formats and includes proper qualifications and disclaimers. As with any AI tool, attorney review ensures accuracy and professional judgment.

Q

Does the coverage opinion include all necessary sections?

A

Yes, CaseMark generates complete opinions with heading and introduction, fact summary, policy provisions, legal analysis, conclusion, and qualifications/disclaimers. Each section is properly structured following professional standards and best practices from bar associations.

Q

Can I customize the coverage opinion format?

A

CaseMark follows standard coverage opinion structure with firm letterhead placement, proper formatting, and professional language. The generated document serves as a comprehensive first draft that you can review and customize to match your firm's specific style preferences.

Q

How much time does CaseMark save on coverage opinions?

A

CaseMark reduces coverage opinion drafting from 5-6 hours to approximately 12 minutes. This dramatic time savings allows you to handle more matters, respond faster to clients, and focus your expertise on strategic analysis rather than document assembly and research.