You Pay For Commercial General Liability Insurance; You Should Be Covered By It
Commercial general liability (CGL) insurance is designed to cover businesses when a third party sues them. For instance, if a customer is injured on your premises, your CGL insurance carrier is supposed to assume liability and either cover the cost of the damage or provide representation in your defense. Many insurance companies deny their insureds this coverage when they need it most, leaving them to face a potential lawsuit alone. If your business is in this situation, speak with a Texas attorney handling commercial property insurance claims.
Hubble & Pistorius has a 25-year history of keeping insurance companies accountable for the contracts they sign with policyholders. We are well-versed in Texas insurance laws and are familiar with the many tactics insurance carriers use to avoid covering claims made by their insureds. Efficient and effective work combined with exemplary customer service creates our formula for victory.
What Is CGL Supposed To Cover?
The four major components of most CGL policies are:
- Damage to property
- Physical injury
- Injury related to advertising
- Slander, libel and personal injury
The point of this insurance is to cover these issues if your business comes into conflict. Insurance companies are frequently more focused on serving their shareholders than serving their policyholders. When you are sued by a third party, you may also end up in a dispute with your insurance company over whether it has a duty to defend you and a duty in the lawsuit.
These cases are very complex and involve in-depth technical knowledge. We have handled many of these cases for our clients, with great success. Our attorneys are personally involved with every case we accept, giving them a better understanding of your situation and how to solve it.
Many of these issues can be resolved through negotiation, mediation or arbitration. For those that cannot, our skill in the courtroom and many years of experience have made us one of the state’s premier trial firms. Our lawyers do not back down from a challenge.