An commercial liability insurance lawyer Delray Beach FL relies on can help you understand commercial general liability insurance coverage. Policies that provide this coverage protect businesses against claims made by others. For example, if a general contractor working on an office building is sued because a visitor is injured due to the manner in which the contractor’s work is performed, the contractor’s commercial general liability insurance policy should provide protection against the claim. These claims often involve a physical injury or property damage, but can also involve claims for libel, slander and advertising injury.
The coverage available under commercial general liability insurance policies has its limits. A commercial liability insurance lawyer Delray Beach FL offers can help you understand the language in the policy. It does not provide coverage for example, for claims brought against a business if the grounds for the claim are that the business breached a contract, causing economic damage to another business. Claims for poor workmanship, intentional acts, assault and battery and claims arising from the use of a motor vehicle are also usually excluded from coverage under these policies. Most commercial general policies cover all of the business’ employees, as well as officers and directors, if a claim results from actions taken on behalf of the business. Most policies also provide that if a lawsuit is brought against its business or employees, officers or directors, the insurance company will hire and pay for a lawyer to defend the case, provided that coverage exists for the claim under the policy.
Several years ago our commercial liability insurance lawyer Delray Beach FL firm was hired by a waterproofing contractor to represent it in a claim against its commercial general liability insurer. The insurer had refused to pay judgment of more than 1 million dollars entered against the contractor in a construction defects lawsuit, claiming that the judgment resulted from the poor workmanship of the contractor and was therefore excluded from coverage under the policy. We were able to convince the judge that the policy only excluded that part of the judgment made for repair to the waterproofing system and that it did not exclude coverage for the amount awarded to fix the damage to the rest of the project which was caused by the failure of the waterproofing system. The case ultimately settled with the insurer paying enough money to satisfy the judgment in full.
Insurance disputes, like insurance policies can be complicated and difficult for most people to understand. A commercial liability insurance lawyer Delray Beach FL trusts can assist you with your claim.
Should I Hire an Attorney to Respond to a Rejected Claim?
If your business submitted a commercial general liability claim to your insurance provider and that claim was either rejected outright or significantly underpaid, you may be wondering whether or not it is time to speak with a Delray Beach, FL commercial liability lawyer. If you believe that your claim was both valid and should have reasonably been covered under the terms of your insurance contract, yes, it is indeed time to speak with an attorney who specializes in situations like this. You may be wondering what kinds of recourse, if any, you may have available to you if you consult with a Delray Beach, FL commercial liability lawyer. The long and short of the situation is that an attorney may be able to fix a mistake made on the part of your insurer or may be able to hold your insurance provider accountable for behaving in a way that is commonly referred to as bad faith.
Bad Faith – The Basics
Generally speaking, insurance providers are legally bound to treat their clients fairly. This means that providers may not intentionally reject a valid claim, refuse to investigate the merits of a claim, intentionally underpay a claim or otherwise behave in ways that unreasonably compromise the integrity of the relationship between the insurance provider and policyholder. If your insurance provider has intentionally behaved in bad faith, a Delray Beach, FL commercial liability lawyer may be able to secure significant financial damages on your behalf. If the rejected claim was the result of human or mechanical error, our firm may be able to resolve the situation without filing formal legal action.
Bad Faith Claims Assistance Is Available
If your business recently had a general liability claim rejected by your insurance provider, please consider connecting with an experienced Delray Beach, Florida commercial liability lawyer today. The experienced team at the Law Offices of Eric H. Luckman, P.A. will be able to advise you of your options once we understand the particulars of your situation. If your general liability insurance carrier may have acted in bad faith, you may be able to hold that provider accountable under the law.
In general, if you filed a valid claim that falls within the terms of your coverage agreement and that claim was rejected, either a mistake was made on the part of the insurance provider or the insurance provider acted in bad faith. In either event, a Delray Beach, FL commercial liability lawyer can be of assistance. Our firm can attempt to have the mistake rectified and to obtain any additional compensation that may be owed under the circumstances. If the insurance provider remains unwilling to fix the issue at hand, we can file a bad faith claim on your behalf. Please don’t hesitate to reach out to us today; our consultations are confidential and risk-free. We simply want to make sure that you have access to experienced legal guidance and support at this time. Our team looks forward to speaking with you.
Eric H. Luckman is a Florida Board Certified Civil Trial lawyer. Less than 2% of lawyers in the state of Florida are recognized with this prestigious certification. Board certification recognizes attorneys’ special knowledge, skills and proficiency in various areas of law and professionalism and ethics in practice.
Feel free to call our office at 561-737-3133 to discuss your case. The initial consultation is free, and you will speak directly with Eric Luckman, about your claim and your rights.
An experienced commercial liability insurance lawyer Delray Beach FL residents count on can help you determine whether you have a valid claim.