Bad Faith Insurance Claims Defense Attorneys in NY & NJ

Strategic Defense Against Bad Faith Litigation

Accusations of bad faith are common—but often unfounded. At Larkin Farrell, we defend insurance carriers across New York and New Jersey against claims alleging delayed payments, unfair denials, or inadequate investigations. Our attorneys understand both the legal thresholds and the reputational risk these cases carry.



We know what’s at stake. That’s why we move quickly to review internal handling, build a strong factual record, and protect our clients in court, arbitration, or settlement.

Our Bad Faith Defense Approach

We help insurers defend against:


  • Allegations of unreasonable claim denials
  • Delay in claim handling or investigation
  • Lowball settlement offers
  • Failure to defend or indemnify a policyholder
  • Claims of emotional distress or punitive damages


Our team reviews claims files, communications, and case law to identify areas of compliance and potential exposure—then crafts a strategy for swift, effective resolution.

Key Considerations in Bad Faith Claims

Jurisdiction Matters

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Bad faith standards vary significantly between NY and NJ. We tailor defense strategies to each state’s legal climate and insurer obligations.

Documentation Is Your Best Defense

A pencil is writing on a piece of paper.

We help insurers present a clear record of reasoned, lawful decision-making—undercutting claims of arbitrary or unfair conduct.

A pair of hands holding a scale of justice.

Not All Errors Are Bad Faith

Courts distinguish between mistakes and misconduct. We highlight this distinction and use it to push back against overreaching plaintiffs.

Frequently Asked Questions

  • What is a bad faith claim?

    It’s when a policyholder accuses their insurer of acting unfairly, dishonestly, or without reasonable basis in handling a claim.

  • Can bad faith be alleged in both first- and third-party claims?

    Yes—but the legal standards and potential damages differ. We know how to defend both contexts.

  • What damages are at stake?

    Bad faith claims may involve compensatory damages, legal fees, emotional distress, and—in some jurisdictions—punitive damages.

  • How do you prevent bad faith claims?

    Strong documentation, timely communication, and a clear, documented rationale for decisions are key. We also help insurers create litigation-ready files.

Defend Your Process.

Protect Your Reputation.

Bad faith accusations don’t just threaten the case—they can threaten your business. At Larkin Farrell, we defend the integrity of your process and limit your legal exposure.

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