Having commercial property insurance coverage for your business is critical. If you made the wise decision to have strong commercial coverage for your business or for a large commercial structure, you expect your insurance company to step up when you have a covered claim. You likely spent a lot of money for this protection and the expense was incurred for a very specific purpose – to ensure that you are properly paid when you have a covered loss.
Similar to a residential homeowners policy, commercial insurance policies are complex legal documents that detail the rights and obligations of the parties in dealing with an insurance claim. However, many of today's commercial insurance policies are arguably even more complicated than the typical residential policy, sometimes running hundreds of pages thick. Trying to distinguish what you have coverage for can test your sanity, as you try to make sense of the various types of coverages set forth in your policy along with all of the endorsements attached to the policy. However, when you have a claim, understanding your rights and obligations, as well as the rights and obligations of your insurance company, gives you a critical advantage. You should not simply assume the accuracy of the insurance company's determination but, instead, dig deeper to understand whether their determination is supported by the policy.
HL Law Group focuses its practice on large, complex commercial property claims. HL Law Group is proud to have developed a reputation for efficiently resolving complex commercial insurance matters. HL Law Group has represented business owners, management companies, condominium and homeowners associations, as well as investors, developers and other property owners on complex commercial property insurance matters, and we can handle commercial insurance claims for a variety of property types, including office, industrial, retail, multi-family, hotel and motel as well as special-purpose properties, such as restaurants, marinas, auto dealerships, self-storage units, nursing homes and churches.
HL Law Group has the experience to handle any commercial insurance claim you encounter, whether you have a straightforward property loss or a large, complex insurance matter. The breadth of our experience in representing different types of commercial policyholders on complex insurance matters relating to a variety of business and property types gives us a unique advantage. 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.
OTHER INSURANCE CLAIMS
HL Law Group understands the provisions being referenced in the letters from your insurance company that describe the coverage you have or denying you for coverage. We can help to equal the playing field and give you the information you need to understand your rights and obligations under the policy.
CARGO & SHIPPING
HL Law Group has the experience to represent large commercial shipping, distribution or logistics companies for whom the shipment of goods is an integral part of their business. 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.
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.
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.
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.