Business Insurance Disputes

Business Insurance Disputes Attorney in Phoenix

Having insurance coverage for your small business is extremely vital. Business accidents and disasters happen more frequently than expected and when you less expect it. To hedge against these unexpected occurrences, a responsible small business owner will ensure adequate insurance coverage is in place. Having insurance coverage, however, does not mean your claim will be covered by the insurance policy or deemed an accepted claim. Oftentimes, insurance companies fail to thoroughly investigate insurance claims or have different interpretations of the insurance contract. When this happens, the insurance carriers often wrongfully deny claims, giving rise to insurance claim disputes.

Most Common Business Owner Insurance Claim Disputes arise out of the following occurrences:

• Hurricane, Storm, Sinkhole and Lightning Damage
• Water Extraction
• Mold Contamination
• Fire or Electrical Damage
• Definitions within the Insurance Contract

Filing an Insurance Dispute for a Claim Denial

If you file a claim with your insurance provider and they deny your claim, you have the option to dispute the denial. At this point, you should engage an experienced attorney. You can dispute the claim denial on your own, but engaging an attorney who is experienced in this area of law increases the likelihood of the insurance carrier reconsidering their denial. If your claim denial is not resolved to your liking, you can explore other options such as filing a complaint within the state you reside, or filing a complaint with your state’s department of insurance. An experienced attorney will advocate for you along the complaint process all the while exploring options to resolve your case when the opportunity arises.

Recommended Insurance Policies for Arizona Small Business Owners

• General Liability Insurance: This insurance will help your business with common risks. Most commercial leases will require this insurance.

• Professional Liability Insurance: This insurance will cover mistakes and oversights that happen at work. It will also be able to cover professional negligence lawsuits as well as late or incomplete work. 

• Excess Insurance Coverage: This insurance will generally pay any “excess” amount above your general liability coverage. 

• Cyber Liability Insurance: This insurance option will help businesses cover data breaches and cyberattacks.

• Business Owner’s Policy: This insurance option bundles property insurance and general liability insurance into one plan. It’s one of the most cost-effective policies for small business owners.

Lawyer For Business Insurance Disputes In Arizona

Zazueta Law is experienced in Business Insurance Disputes and can help you navigate this process. There is a lot to think about and consider when dealing with a dispute, so we highly recommend you consult with an attorney. At Zazueta Law, we focus on predictive analysis and cost-effective representation using successful litigation strategies. We offer a scheduled consultation to help with the process, so fill out your information below to get yours scheduled.