Business owners rely on insurance policies to protect them in the event something goes wrong with their business or they are accused of wrongdoing by another party. Having that coverage is important and insured pay a premium for that coverage. However, despite the terms of the insurance policies, insurance carriers sometimes refuse to provide coverage when it is needed most. The result is that, despite paying for coverage, business owners may then incur significant attorney fees defending claims and paying damages to others.
The attorneys at Vezina Law Group have extensive experience representing clients in coverage disputes with insurance carriers. We assist clients in every aspect of insurance coverage disputes from forming a coverage opinion, submitting a claim, and working with insurance counsel through arbitration or litigation in the event a claim is unfairly denied.
Our practice encompasses all types of commercial insurance policies, including, but not limited to:
- Commercial General Liability
- Director and Officer Liability
- Professional Errors and Omissions Liability
- Malpractice Liability
- Commercial Property Liability
- Business Interruption Insurance
- Product Liability Insurance
- Cyber Liability Insurance
- Umbrella Insurance
- Excess Liability Insurance
The type of claims that might be covered under those policies include damage to property or personal injury, negligence, defective products or services, advertising injury, misappropriation of intellectual property, privacy claims arising from network security breaches, and numerous other claims.
Coverage disputes often focus on either the duty to defend an insured in an underlying litigation or the duty to indemnify an insured for damages alleged by another party. Sometimes the denial of such coverage also gives rise to a bad faith claim against the insurance carrier. While the legal issues can be complex, we work with our clients to explain the terms of the coverage language and to provide a recommendation for the most efficient and satisfactory resolution of any dispute.Litigation
Unfortunately, despite their best efforts, businesses sometimes find themselves involved in complex and intense commercial disputes with other entities. While some disputes are small and can be resolved quickly, others involve issues that present a significant potential risk to the future of a business. Those disputes need to be deftly managed from the initial stages of communication through potentially litigation and a final decision by a court or arbitrator.
The attorneys at Vezina Law Group have extensive experience handling complex commercial litigation and disputes for business and individuals in many business sectors. Our attorneys have represented public and private companies, including financial service companies, manufacturers, service industry companies, insurance agencies, as well as several other industries. We have successfully advised clients in resolving a myriad of disputes that threaten the vitality of small and medium-sized businesses. Some of those disputes arise from relationships with other entities, such as high-stakes breach of contract claims involving important business relationships, allegations of fraud and deceptive practices, claims of tortious interference with a business, claims of unfair competition and/or infringement of intellectual property, and other business torts. Sometimes, those disputes arise internally from allegations of abuse of trust, breach of fiduciary duties, and claims that shareholder rights have been violated. Regardless of the nature of the disputes, our goal is to efficiently and effectively resolve the dispute to the satisfaction of our clients.
Our experiences also allow us to provide services beyond the courtroom. Because we have been involved with clients from the outset of such disputes through their resolution, we are able to provide consultation and advice to businesses seeking to avoid future disputes. While not all disputes can be avoided, we can help businesses reduce the likelihood that certain actions will develop into disputes.