Drew T. Gardiner

San Diego
  • 12670 High Bluff Drive
  • San Diego, CA 92130
  • USA

Drew Gardiner counsels clients on strategies for maximizing insurance coverage and represents policyholders in complex insurance coverage and bad faith disputes. Mr. Gardiner has prosecuted coverage claims involving a variety of first- and third-party policies, including commercial general liability, directors and officers (D&O) liability, errors and omissions and environmental impairment policies.

Mr. Gardiner also has significant experience advising clients on the strategic management of insurance portfolios, including evaluating D&O policy terms, and negotiating improvements in policy language. Additionally, Mr. Gardiner counsels clients on insurance-related aspects of corporate transactions and negotiates custom insurance products for a variety of potential risks, including representation and warranties, environmental, tax, property, and business interruption policies.

Mr. Gardiner has represented a number of clients seeking insurance coverage for historical environmental liabilities, including National Steel and Shipbuilding Company (NASSCO) in remediation of contaminated sediments in San Diego Bay, Xcel Energy in remediation of sediments at the Ashland Superfund Site on Lake Superior, and Montrose Chemical Corporation of California in remediation of contaminated groundwater, soils, and DNAPL in Torrance, California.

Mr. Gardiner also represents the NCAA in obtaining insurance coverage for over 250 class action and individual lawsuits alleging the NCAA’s liability for alleged concussion-related injuries suffered by former student-athletes.

In addition to the above, Mr. Gardiner’s current clients include Facebook, Cigna, Carvana, and PG&E.

In 2021, Mr. Gardiner was recognized in Chambers USA for Insurance: Policyholder - California. In 2020 and 2021, Legal 500 recognized Mr. Gardiner as a Next Generation Partner for Insurance. In 2014, Mr. Gardiner was named a Top Attorney by the San Diego Daily Transcript. He was named a Top 40 Under 40 Business Professional by the San Diego Daily Transcript in 2016.

Thought Leadership
  • Co-Author, "Continental: Policyholders Entitled to Full Limits on All Triggered Policies," Daily Journal, 2012

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