Ramsden, Marfice, Ealy & Harris, LLP

Insurance Defense

Our insurance defense attorneys provide representation to insurance carriers and their insureds in claims evaluation, coverage analysis, declaratory actions, alternate dispute resolution, and claims defense. We have experience with claims regarding bodily injury and property damage, professional liability, construction defect claims, environmental claims, and subrogation.

Insurance Defense

The attorneys who founded Ramsden, Marfice, Ealy & Harris, began their careers in insurance defense practice. Since then, while becoming more diverse, RMEH still provides comprehensive representation to insurance carriers and their insureds in claims evaluation, coverage analysis, declaratory actions, alternate dispute resolution, and of course claims defense. Our attorneys have experience in all types of insurance disputes, including first-party and third-party claims. We have been retained to evaluate a broad range of coverage issues, including bad faith, policy stacking, primary of coverage and coverage exclusions.

Professional Liability (errors & Omissions) Defense

Our lawyers have extensive background in professional liability defense, representing healthcare professionals, accountants, attorneys, real estate brokers/agents, investment advisors, architects, and engineers throughout Idaho and Washington.

Our insurance defense attorneys have advocated on behalf of healthcare providers (physicians, RNs, LPNs, PAs, PTs, NPs, psychiatrists, nurse anesthesiologists, dentists, aestheticians, chiropractors, etc.) in lawsuits alleging malpractice or professional negligence. We also represent engineers, architects, and building contractors in cases involving alleged design and construction defects, negligence, and statutory violations.

Bodily Injury & Property Damage Claims

RMEH represents insurers and insureds in all types of negligence claims involving bodily injury, property damage, business interruption and all types of comprehensive general liability exposure. In addition to litigating third-party claims, our insurance defense lawyers represent insurers in arbitration of uninsured and underinsured motorist (UM and UIM) claims.

Construction Defect Claims

Ramsden, Marfice, Ealy & Harris has experience defending claims involving:

  • Defective structural design

  • Defective construction

  • Roofing defects

  • Foundation defects

  • Site drainage problems

We represent contractors, engineers, and design professionals. We also represent insurers in evaluating coverage issues related to construction defect claims.

Environmental Claims

RMEH has defended a variety of insured environmental claims involving pollution and contamination of soil and groundwater, underground storage tanks, and toxic buildings. Our insurance defense attorneys also represent contractors and product manufacturers on insured claims involving defects and environmental damage.


Subrogation, or loss recovery, is also a part of our insurance defense practice. Over the years, we have obtained subrogation recoveries for insurers through litigation, mediation, and negotiated settlements. We also assist insurers in evaluating and preparing for inter-company arbitration of subrogation claims.