Denver · Statewide Colorado
When an insurer denies, delays or underpays a legitimate claim, the policy is only half the fight. We are Denver trial lawyers who read policies for a living and try coverage cases for a living.
Every commercial insurance policy is unique and needs to be read by a Colorado coverage specialist. Ours is the reading that is free.
Why we exist
An adjuster works for the company that wrote the policy. That is not a conspiracy — it is a job description. But it does mean the first reading of your policy, the one that produces the denial letter or the low estimate, is done by someone with an interest in the answer.
Ogborn Mihm and Denver Trial Lawyers have spent decades on the other side of that reading. We combined our coverage practices so Colorado businesses and families could get a second opinion from lawyers who actually try these cases.
Most denials we overturn come down to a single clause read out of context.
The record behind the reading
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Years litigating Colorado coverage disputes
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Recovered for clients across the firms' practices
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Trial lawyers led through CTLA by our partners
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Cost of a policy review, win or lose
Figures describe the combined practices of Ogborn Mihm and Denver Trial Lawyers. Prior results do not guarantee a similar outcome in any other matter.
Practice areas
Every one of them starts the same way: someone here reads your policy from the first page to the last endorsement.
Lost income and extra expense after a shutdown.
Unreasonable delay and denial under C.R.S. 10-3-1115.
Hail, wind, fire, water and collapse losses.
Reversing a wrongful denial or a lowball payment.
A written read of what your policy actually covers.
Two minutes, five questions
This is not legal advice and it is not a substitute for reading your policy. It is the same short triage our intake lawyers run before they book a call.
Who calls us
Interruption losses land hardest on operations with fixed overhead and revenue that cannot be deferred. These are the files we see most.
Hospitality carries thin margins and long leases. A month of closure is rarely a month of loss — it is a season of it.
Elective procedures stop, overhead does not. Business income coverage was written for exactly this gap.
Anchor closures, inventory loss and civil-authority orders all touch different sections of the same policy.
Membership revenue is recurring, which makes the loss easy to prove — if the calculation is done properly.
Cancelled runs, deposits, and contingent losses from a supplier or landlord's damage.
Occupancy losses, contingent business interruption and extra expense for relocation of guests.
How it works
No intake script, no call centre. The first person who reads your file is a lawyer who could end up trying it.
The declarations page, the full policy with endorsements, and anything the insurer has put in writing. If you do not have the complete policy, we will help you demand it — you are entitled to it.
Not a checklist, not a paralegal summary. We map the coverage grants, the exclusions, the exceptions that pull coverage back in, and the conditions that carry deadlines.
Including when the answer is no. A clear explanation of why a claim will not work is worth more than an expensive year finding out the hard way.
Forensic accounting for income losses, independent estimating for property losses. Insurers settle numbers they cannot credibly dispute.
Most files resolve short of a courtroom. They resolve because the insurer can see that we are prepared to be in one, and because our trial lawyers have been.
A denial letter is the start of the conversation, not the end of it.
What insurers say
None of these is automatically wrong. All of them are worth testing against the actual policy language before you accept them.
Our attorneys
Coverage & Appellate
When lawyers need innovative solutions for difficult legal issues, they call Thomas Neville. He handles insurance disputes at both the trial and appellate levels and has testified before the Colorado legislature on the regulation of insurance companies.
Full biography
Trial & Business Insurance
A partner at Denver Trial Lawyers for over fifteen years and a past President of the Colorado Trial Lawyers Association. As the owner of several Colorado businesses himself, he reads a profit-and-loss statement the way he reads a policy.
Full biographyInsights
Business income
A government order closed you down and the damage was to someone else's property. That is the exact scenario civil authority coverage was written for — and the exact scenario insurers fight hardest.
11 min read · updated 2026-06-04
Read the guide
Bad faith
Colorado gives policyholders a statutory remedy that does not require proving the insurer knew it was being unreasonable. Here is what it covers, what it is worth, and how it is proved.
9 min read · updated 2026-05-19
Read the guide
Property damage
Nobody disputes that the storm happened. The money is decided by seven narrower arguments, and most policyholders never find out they were having six of them.
10 min read · updated 2026-07-15
Read the guide
No fee unless we recover
Send us the policy and the letter your insurer sent. We will read both and tell you honestly what we see — at no cost and with no obligation.
Send us the basics. A coverage lawyer — not an assistant — reads every submission.