Mr. Randy Maniloff is the author of this article. Mr. Maniloff is Chair of the Insurance Coverage Group at Philadelphia-based Christie, Pabarue, Mortensen and Young, P.C., where he concentrates his practice in the representation of insurers in coverage disputes.  Maniloff handles a wide variety of insurance coverage matters in both the litigation and non-litigation arenas, including environmental property damage, toxic tort bodily injury/asbestos, construction defect, mold, general liability (products and premises), professional liability, director's & officer's liability, media liability, public official's liability, homeowners, first-party property, health care – including managed care and community associations.  The views expressed herein are solely those of the author and are not necessarily those of his firm or its clients.