When your business experiences an unexpected shutdown, the damages you suffer are not limited to the physical structure of your property. The cause of loss can vary, from a major catastrophe to a simple electrical failure, but when disaster strikes, no matter what the cause, you suffer a loss of revenue during the time that your business cannot operate. A loss to your business can be catastrophic if not handled properly. If your insurance company delays or improperly denies your claim, you may lose income as well as your customer base and, possibly, valuable staff. Business interruption insurance is intended to replace your lost income and may cover additional business expenses, such as rent for a temporary location or the cost of obtaining replacement equipment.
Dealing with your insurance company and trying to operate your business at the same time can be overwhelming. Business Interruption insurance policies can be difficult to understand and it may be hard to determine the coverages you have. For instance, certain policies include business interruption coverage for losses caused by a disruption of utilities, otherwise known as "service" interruption coverage, or may cover losses caused by the failure of one of your suppliers, otherwise known as "contingent" business interruption coverage. If you are managing an event, you may also have "Event Cancellation" insurance for losses arising out of the cancellation, interruption, or postponement of that event. However, unlike many other types of policies, event cancellation policies are generally non-standard, which means that the terms and conditions vary from one policy to another.
Whether you have a standard Business Interruption policy, or a non-standard Event Cancellation policy, you must understand the terms of your policy so that you can determine the scope of coverage provided. HL Law Group has the experience to handle any business interruption insurance claim or event cancellation claim you may encounter. We have represented sophisticated business owners on a variety of complex business interruption matters both large and small. It is this experience that we bring to your claim.
If you have a question about business interruption or event cancellation insurance coverage, feel free to call our office and speak with one of our attorneys. More than a law firm, we are a legal resource for our clients.
OTHER INSURANCE CLAIMS
Having commercial property insurance coverage for your business is critical. HL Law Group is proud to have developed a reputation for efficiently resolving complex commercial insurance matters. We have the experience to handle any commercial insurance claim you encounter, whether you have a straightforward property loss or a large, complex insurance matter.
CARGO & SHIPPING
HL Law Group has the experience to represent large commercial shipping, distribution or logistics companies and other companies for whom the shipment of goods is an integral part of their business, as well as small businesses and individuals. Whether a personal item sent though UPS or Fed Ex is damaged in transit, or if you experience damage to goods shipped for your business, large or small, straightforward or complex, we can help.
LUXURY & COMMERCIAL TRANSPORTATION
Our attorneys can act as counsel for commercial transportation carriers seeking compensation for property damage, whether in litigation or pre-suit through alternative dispute resolution, and we can represent you in cases ranging from complex, catastrophic losses to small property damage claims.
FINE ART, JEWELRY, ANTIQUES & COLLECTIBLES
HL Law Group has the experience, background and industry connections to art valuation experts who provide us with the information we need to properly value your loss and work to obtain full coverage under your policy. Whatever your treasured possession, we can assist you in ensuring that you receive the coverage you are entitled to and deserve, pursuant to the insurance policy you have.
Whether you have a standard Business Interruption policy, or a non-standard Event Cancellation policy, you must understand the terms of your policy so that you can determine the scope of coverage provided. HL Law Group has the experience to handle any business interruption insurance claim or event cancellation claim you may encounter.
ERRORS & OMISSIONS
HL Law Group is proud to have developed a reputation for handling complex E&O insurance matters, whether the loss results from professional services rendered or occurs during the course of commercial relations.
INSURANCE BAD FAITH
If you have a valid insurance claim and you feel that the insurance company has treated you unfairly, then you may be entitled to recover for your claim as well as the additional damages resulting from the insurance carrier's bad-faith actions.
NEED HELP? WE'RE HERE.
ATTORNEYS THAT FIGHT FOR YOU
If you have a question about your insurance claim, whether relating to the coverage you have or information you received from your carrier, feel free to call our office and speak with one of our attorneys. We would be happy to answer your questions and provide you with important information about your policy. More than a law firm, we are a legal resource for our clients.