Tim Larsen focuses his practice on insurance coverage. He advises insurance companies on all aspects of the claim resolution process, including the provision of coverage opinions, coverage position letters, guidance on allocation and relative priority issues, and strategies to minimize the risk of bad faith suits. He also represents insurance companies in litigating coverage disputes, including the institution of declaratory judgment actions and actions to rescind insurance policies as well as the defense of breach of contract and bad faith actions.
Tim’s practice covers a broad range of insurance policies, including professional liability, cyber risk, directors and officers, and commercial general liability and property policies.
- US District Court for the District of Connecticut
- J.D., University of Connecticut School of Law, 2016
- B.A., cum laude, Boston University, 2012
- Professional Liability Underwriting Society
- Obtained summary judgment for an insurer who argued that the progressive deterioration and cracking of foundation walls caused by oxidation of minerals in the concrete was not an “abrupt falling down or caving in,” as required by the insurer’s policy.
- Obtained summary judgment ruling in a commercial property insurance and unfair claims settlement practices case from the US District Court for the District of Massachusetts. This case involved a claim for extra expense coverage for wages paid to salaried employees for their remediation efforts during the period of restoration following a loss. The court granted summary judgment because the additional payments sought by the plaintiff did not fall within the policy’s grant of coverage and the plaintiff’s bad faith and Mass. Gen. L. Chapter 93A claims failed as a matter of law.
- Obtained summary judgment ruling from the Connecticut Superior Court in a property insurance and unfair claims settlement practices case which involved a claim for “collapse” coverage under a homeowner's insurance policy. The primary issue in this case was the appropriate trigger of coverage under a first-party property insurance policy in a progressive loss scenario. The court adopted a manifestation trigger, under which the plaintiffs’ claims were time-barred by the policy’s one-year suit limitation provision or, alternatively, the plaintiffs failed to show that their alleged loss manifested during the relevant policy periods.
- Contributing author, FDCC 2018 Claims Professional Desk Reference, Connecticut Section
- Contributing author, TIPS 2018 Recent Developments in Property Insurance Coverage Litigation, Business Interruption & Civil Authority Section