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Insurance lawyers and attorneys help people and business deal with insurance matters, such as life insurance, annuities, disability insurance, viatical and other life settlements, health insurance, auto insurance, homeowners, and umbrella policies. They include even more personal lines insurance, and commercial lines coverages, including group life, health and disability insurance and ERISA plans, fleet auto coverage, general commercial liability and business owner policies, professional malpractice and errors-and-omissions policies, surety bonds, excess and surplus lines, and much more. Insurance law attorneys interpret policies, file claims, negotiate with the insurance adjusters and carriers, and, where appropriate, bring bad faith actions.