KMS attorneys have been at the forefront of disputes arising between policyholders and insurance and other risk-shifting institutions. Its coverage lawyers were trained in the seminal Shell Oil and Montrose cases growing out of the Superfund statute, and have handled dispositive motions, trials, and arbitrations in all lines of this specialty---comprehensive general liability, financial lines, surety, personal lines, and labor and employment (EPLI) coverage. Whether the dispute involves pollution liabilities from an oil spill or extracontractual (i.e. “bad faith”) allegations against the auto insurer of a minor fender bender, KMS has the history and command required of this often complex area of law. KMS coverage lawyers are that rare breed of insurance experts that not only write opinion letters, but also take these matters to the bench trials that eventuate if settlement proves unsuccessful.