Jury Finds in Favor of Policyholders in Insurance Coverage Dispute Citing Bad-Faith Conduct

Insurance Liability | New York Supreme Court

This matter involved a series of underlying liability claims questioning Starr’s coverage obligations and alleging bad-faith conduct under Starr’s commercial policies. The dispute brought into focus not only the scope of coverage but also the insurer’s duty of fairness, transparency, and responsiveness to its policyholders—issues that required the trial team to present a highly detailed factual record and compelling legal framework.

After a six-week trial in the New York Supreme Court, the jury deliberated for just one hour before returning a decisive verdict in favor of the plaintiffs. The jury concluded that Starr had acted in bad faith and awarded substantial extracontractual damages to Dorchester, LLC. Such damages are rarely granted in coverage disputes and require plaintiffs to meet the exceptionally high standard of proving insurer misconduct—a threshold that is difficult to meet under New York law. The outcome represents a significant and uncommon victory for policyholders seeking accountability from their insurers.

DOAR was retained to support the trial team throughout the litigation, providing integrated graphics consulting, visual design, and courtroom presentation services. Our work helped distill complex insurance issues into clear and compelling demonstratives that guided the jury through the evidence and the legal standards at the heart of the case. By pairing strategic storytelling with precise visual communication, DOAR contributed to the trial team’s ability to highlight the insurer’s conduct and present a cohesive narrative that resonated with jurors and supported this landmark result.

Demonstrating Systemic Failures in Property Safety Oversight

The visual exhibits developed by DOAR clearly illustrated the insurer’s systemic failures in property oversight and risk management. By combining mapping, audit, and photographic evidence, the graphics demonstrated how numerous insured properties lacked required fire alarm systems, despite inspections and underwriting audits indicating otherwise. The visuals distilled complex documentation into an accessible, fact-driven narrative that exposed a consistent pattern of neglect across multiple policies.

Together, these exhibits reinforced the plaintiffs’ argument that Starr’s conduct reflected bad-faith handling and disregard for policyholder safety, rather than isolated administrative errors. Through clear visual storytelling, DOAR’s graphics helped jurors quickly grasp the scope of the insurer’s failures and connect them to the resulting harm, supporting the verdict in favor of Dorchester, LLC.