Whether your business is large or small, accidents can happen at any time, exposing your company to serious financial liability. Commercial general liability insurance (CGL) policies are designed to protect businesses from lawsuits brought by third parties. These policies protect your assets and pay financial losses associated with bodily injury or property damage claims. For instance, if a customer slips and falls in a store and sues the store owner for damages, the store’s CGL insurance company would be obligated to defend against the lawsuit and pay any judgments rendered against the policyholder, within the policy limits. CGL policies also cover false or misleading advertising claims and can help protect tenants against certain damage claims at premises they rent.
The attorneys at Ver Ploeg & Lumpkin have decades of collective experience handling disputes involving CGL insurance policies. Our lawyers represent all types of commercial policyholders, from small and mom-and-pop businesses, to Fortune 500 companies, to non-profit organizations and municipalities. We are recognized both nationally and internationally for our ability to help clients secure maximum coverage in commercial general liability insurance matters. Our legal team understands how the insurance industry operates and is prepared to do everything it can to make certain that insurance companies fulfill their contractual obligations to protect their policyholders.
CGL claim disputes often involve disagreements over policy exclusions. Our legal team works to counter insurance companies’ unreasonable policy interpretations, applications and exclusions to achieve a just resolution to the dispute. In some instances, the insurance carrier may seek a declaratory judgment from the court to declare that the claim is not covered under the commercial general liability policy. When this occurs, our lawyers will take aggressive action to challenge the company’s actions, which typically includes filing a countersuit for breach of contract and/or declaratory relief.
Complex coverage disputes can also arise when a lawsuit involves multiple parties with multiple carriers that may be responsible for providing a defense. In these situations, our lawyers undertake thorough analysis to identify all parties and insurers that may have obligations to our client in the contractual indemnitee and additional insured contexts. Our objective is to compel the carriers for all responsible parties to properly defend and cover the claim. Our goal, as always, is to compel the insurance company, and not the policyholder, to settle the claim or lawsuit and avoid protracted litigation and trial.
At Ver Ploeg & Lumpkin we take a proactive approach to protect our clients from serious liability risks and exposures. Our lawyers take the time to understand our clients’ businesses and work with them to ensure they have the proper insurance coverage for their organizations. When we identify gaps in coverage, we advise our clients on the types and amounts of coverage they may need to properly protect their companies from potential legal claims and lawsuits.
If you are dealing with a CGL insurance coverage issue or dispute, our lawyers are available to provide legal analysis, advice and representation at any stage of the process. To arrange a consultation to discuss your situation with an experienced Miami insurance claim lawyer, please contact us by email or call 305-577-3996.