Robert Justman

Robert Justman

Senior Member

Biography

Rob has been representing insurance companies as coverage counsel for over 20 years. Rob has represented insurance companies in courts across the country, from Connecticut to California. He has developed an insurance coverage specialty, and wealth of information and experience, in the intermountain west.

Rob maintains active licenses in the state and federal courts of Arizona and Utah, and in the federal district courts of Colorado and New Mexico, as well as the US Courts of Appeal for the Ninth Circuit and Tenth Circuit. He has over a decade of experience in Nevada as pro hac vice counsel in litigation, and coverage counsel on innumerable Nevada coverage assignments.

Rob has extensive contacts throughout the states of Arizona, Colorado, Nevada, New Mexico, and Utah which serve as the basis for successful litigation and resolution in these jurisdictions. Mediators and counsel alike know and respect Rob in these jurisdictions, and work with him towards constructive resolutions where possible. A big believer in creatively exploring win-win resolutions, Rob has developed a wide range of resolution frameworks for insurance coverage and insurance bad faith cases in the intermountain west.

Risk exposure analysis, and counsel and advice, is a big part of the practice. Insurance coverage analysis, extra-contractual exposure, and consent judgment set-ups are an important consideration in the intermountain west. Clear eyed advice is critical for an insurance company making a decision in these jurisdictions. The risks associated with certain decisions, and the exposures created from these decisions, are mission critical in Arizona, Colorado, Nevada, New Mexico, and Utah.

Collaboration and reporting are as important to Rob as the coverage work that he does. It is the insurance company that makes the decision, and timely and comprehensive reporting and evaluation is the only way for the insurance company to make the right decision. Conferences and collaboration with the insurance company are critical to Rob’s role as coverage counsel.

Rob’s partner – in life – is his wife, April Justman. Happiness and hardship are the stuff of life, and he has no better partner than April. They have four children together.

Education

  • University of Utah College of Law, Salt Lake City, Utah

    • J.D. - 2004

    • Order of the Coif (Cum Laude)

  • University of Utah

    • B.S., Psychology - 2000

    • Cum Laude

Bar Admissions

  • Arizona (state and federal court)

  • Utah (state and federal court)

  • Colorado (federal court)

  • New Mexico (federal court)

  • Ninth Circuit Cour of Appeals

  • Tenth Circuit Court of Appeals

honors

  • Selected to Southwest Super Lawyers® - 2018, 2019, 2023-2026

  • Selected to Rising Stars® - 2012-2017

  • Selected to Top Lawyers by PHOENIX MAGAZINE - 2022 (Insurance Coverage and Bad Faith)

Representative Cases

  • Continental Casualty Company v. Culver, 2025 WL 1937295, No. 24-3491 (9th Cir. 2025) ($58.5 million judgment not covered by commercial general liability policies, and insurance company had no duty to defend or indemnify against the claims and lawsuit leading to the $58.5 million judgment)

  • Continental Casualty Company v. Platinum Training LLC, 2021 WL 3491948, No. CV-19-05163 (D.Ariz. 2021) (insurance company had no duty to indemnify putative insured against excess judgment because he did not qualify as an insured as to the claims that went to excess judgment)

  • City of Phoenix v. First State Insurance Company, 727 Fed.Appx. 296 (9th Cir. 2018) (insurance company owed no coverage for $1.9 million in defense expenses and indemnity payments on wrongful death action because self-insured retention would not be construed as eroding by defense expenses and indemnity payments did not exceed the self-insured retention)

  • Geurden v. Quantum Transportation, 298 F.Supp.3d 1222 (D.Ariz. 2018) (insurance company not bound by purported Damron Agreement for $25 million because insurance company did not actually breach the duty to defend and the anticipatory breach of policy obligations cannot serve as the predicate for a Damron Agreement)

  • Colony Insurance Company v. Estate of Lakeisha Anderson, 2016 WL 796983, No. 1 CA-CV 14-0819 (Ariz. App. 2016) (claims made policy in effect at time of death, and claims made policy in effect at time of reporting, both provided no coverage for $2.2 million judgment because claim was not made during policy period of first policy and retroactive date precluded coverage under second policy)

  • Nelson v. Navigator Insurance Company, 624 Fed.Appx. 599 (9th Cir. 2015) (commercial general liability policy did not cover $4.2 million judgment for spoliation of evidence because spoliation of evidence is economic loss and not bodily injury or property damage)

presentations

  • Faculty and Speaker, 2023 State Bar of Arizona, Insurance Institute, “Claims Made Coverage”

  • Faculty and Speaker, 2021 State Bar of Arizona, Insurance Institute, “Expected or Intended Injuries and Damages”

  • Faculty and Speaker, 2020 State Bar of Arizona, Insurance Institute, “Insurance Bad Faith”

  • Faculty and Speaker, 2017 State Bar of Arizona, Insurance Institute, “Excess Liability Coverage”

  • Faculty and Speaker, 2016 State Bar of Arizona, Insurance Institute, “Insurance Coverage for Construction Defect Claims”

  • Faculty and Speaker, 2015 State Bar of Arizona, Insurance Institute, “Claims Made Coverage”

  • Faculty and Speaker, 2013 State Bar of Arizona, Insurance Institute, “Auto Liability Coverage”

  • Faculty and Speaker, 2012 State Bar of Arizona, Insurance Institute, “Commercial General Liability Coverage”

Rated by Super Lawyers


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