On September 30, 2006, Elizabeth A. Fitzpatrick participated in a New York State Bar Association Roundtable Discussion presented by the Insurance Coverage Committee.  Beth addressed the current state of Section 3420(d)'s Timely Disclaimer Requirements.  She discussed the present obligations of the carrier, issues carriers and/or policyholders should be aware of when dealing with the timeliness of disclaimers, obligations to underlying claimants, insurer-to-insurer disclaimers, and disclaimers in general.