Las Vegas Business Interruption Lawyer
Get Top-Quality Legal Help When You Need It Most
You purchased business interruption insurance to protect your small business should disaster strike. When the unthinkable has happened and you make a claim against your policy, and it is denied, you may not know what to do and where to turn. If your insurer has improperly denied your claim, if you need help preparing an initial claim, or if you are unsure whether your specific insurance policy covers your losses, our experienced business interruption insurance attorney can review your situation and provide experienced guidance.
We can review your policy and advise you about coverage. We can assist you in properly presenting your claim so that it has a higher potential for being accepted the first time around. Or, if your insurer improperly denies your claim and we are unable to resolve the denial issue through an appeal, we can counsel you about possibly bringing a lawsuit against your insurance company. Through a lawsuit, you could recover what your insurer owes you under the terms of your policy and possibly additional damages that have been caused by your insurer’s improper denial of your claim.
Need Help? Reach Out to an Experienced Business Interruption Insurance Attorney
Contact our Las Vegas law firm to arrange a free consultation with a knowledgeable business interruption insurance attorney. Our phone number is (702) 507-0201. Don’t let an insurance company treat you unfairly by denying you the money you need to rebuild your business or to resume operations after a closure. Reach out today.
Why Choose Leverty & Associates to Represent You?
There are many reasons why we believe you should choose Leverty & Associates to represent your business interruption insurance matter. Our skilled insurance attorneys have decades of experience achieving successful results for claimants in complex insurance cases, including those involving insurance bad faith.
We are proud to say that we have recovered over $150 million on behalf of insureds and claimants. We focus our knowledge and energies on helping insured businesses and individuals who are victims of unfair treatment by insurance companies—we do not represent insurance companies. Read what satisfied clients have to say about us here and learn more about our firm in the following:
- Attorney Gene Leverty was Chief Deputy Insurance Commissioner for the State of Nevada, which provides him special insight into insurance coverage issues.
- Our attorneys have more than 100 years of combined legal experience.
- We have intricate knowledge of Nevada insurance laws and regulations and insurance practices.
- We offer free initial consultations and flexible pricing arrangements.
Don’t hesitate to get in touch when you need assistance with your business interruption insurance claim. When we take your case, our lawyers will stand up strongly to your insurer in seeking the outcome you need and deserve. Don’t let your insurer, whom you trusted to be there for you should your business face disaster, leave you in financial turmoil. Call us today.
How Our Law Firm Can Help
Insurance companies do not make it easy for policyholders to understand the details of their coverage, which often benefits these companies. Many people, including small business owners, may simply give up when denied coverage, because wading through piles of policy paperwork to find a reason to contest the denial is too confusing and stressful. But when your business has been impacted by a disaster and you need the coverage to rebuild and resume operations, you can’t simply walk away from the problem.
Our attorneys understand the complexities of business interruption insurance and stand up to the insurer for you. Here are some of the ways we can help:
- We can carefully examine your insurance policy and your denial letter to develop an appropriate strategy for appealing.
- We can prepare and file the appeal and handle communications with your insurer.
- If we are not successful in appealing, we can counsel you about taking legal action, including advising you about your potential for success based on the factors in your case.
- We will work to reach a settlement of your lawsuit with the insurer without going to trial, if that is within your goals.
- If a settlement is not possible, we will assertively represent your interests in the courtroom.
Throughout the entire insurance appeals or legal process, we will quickly address your concerns, and keep you closely informed about what we expect may happen, so you are never left worrying and anxious. Get help from an experienced Las Vegas business interruption lawyer by calling (702) 507-0201.
“As a small business owner, I was experiencing difficulties with a big insurance company. They refused to take responsibility and proper action. I called Leverty & Associates Law Chtd. They are impressive, knowledgeable, and experienced with the legal maze of insurance disputes and in my case, negotiating a settlement. I cannot thank them enough. I highly recommend Leverty & Associates Law.”
The Basics of Business Interruption Insurance
Business interruption insurance is usually offered as part of a commercial property owner’s policy or a business owner’s policy that bundles together general liability, property, and interruption insurance. This insurance, which is sometimes called business income coverage, is not typically offered as a separate policy. If you are unsure whether you are covered under business interruption insurance, we can review your business/commercial policies and advise you whether the losses you have experienced may be covered. If they are covered, but your insurer has denied your claim, we can discuss with you what to do next.
What Business Interruption Insurance Covers
Business interruption insurance is a type of insurance policy that covers the loss of income that a business suffers if a property must be vacated following a natural disaster, civil unrest, or other applicable occurrence. The income loss may be due to closing of the business facility or due to the rebuilding process after a disaster that damages the property. Depending on the language of your policy, this could include government-mandated shutdowns.
The insurance pays for revenue losses you suffered when your business was not operating. It may also pay for the costs of your lease, rent or mortgage while your business was non-operational. Other things business interruption insurance may cover, depending upon the specifics of the policy, include:
- Employee wages
- Costs of temporarily relocating your business.
There may be other costs covered in business interruption insurance that are not listed here, depending on your policy.
Does Business Interruption Coverage Apply to COVID-19/Coronavirus Losses?
While we would love to give you a definite answer of “yes,” the real answer is “maybe.” This is because whether you have business interruption policies that would provide coverage for the kinds of unprecedented business losses and shutdowns that we saw in 2020 depends on the language of your policy that provides business interruption insurance. Many times, business interruption coverage is a part of your commercial policies, and sometimes it is a special endorsement. In any case, wording can be key when it comes to business interruption insurance claim denials related to infectious disease. Our attorneys have over 100 years’ experience in interpreting and evaluating insurance policies and what should and should not be covered. We will likely be able to assist you in determining whether or not you may have a valid claim for COVID-19 coverage.
Don’t Delay in Reaching Out to a Las Vegas Business Interruption Lawyer—We Understand Bad Faith Tactics
When you believe your claim has been unreasonably denied, reach out to an attorney as soon as possible. We will get to work right away to understand whether you have been a victim of insurance bad faith. Insurance bad faith occurs when an insurer refuses to pay a claim or delays paying a claim without a valid reason.
Insurers may misinterpret their own policy language to avoid paying. They might not thoroughly investigate what happened and thus deny the claim. They may ask for unreasonable proof of losses. Or they may even make threats and act abusively to intimidate policyholders. For some insurers, when saving money is the goal, they will use a variety of bad faith tactics.
Our Las Vegas insurance lawyers understand the unfair tactics insurers may use, and we know how to stand up to them when they do so. Don’t delay—call us today at (702) 507-0201 if you suspect you are being victimized by an insurer who is acting in bad faith.
Frequently Asked Questions
When you paid for your business interruption insurance policy, you assumed the coverage would be there if you needed it. You probably never expected to have to seek the assistance of a lawyer in order to get coverage for your losses. You are not alone. Here are some of the common questions we receive from business owners who are wondering how the process works when they must get a lawyer involved in their insurance claim.
We understand that you need to keep an eye on your bottom line when you run a small business. And if your bottom line has already been negatively affected by a business interruption and you are in a dispute with your insurer over coverage, paying up-front attorney fees may be extremely difficult. Depending on the details of your claim and what you are able to afford, we can represent you on a contingency fee basis or charge an hourly fee, or some combination of the two. We are one of the few law firms in Nevada that is willing to represent businesses on a contingency basis in their disputes with other companies.
We can’t give you a specific time frame for resolving a business interruption insurance claim denial. How long it takes will depend upon whether it is resolved through an insurance appeal or the courts. If your claim denial can be reversed in an appeal, it will be a relatively quick process. If you must file a lawsuit to have your losses covered, it could take months or longer for a resolution. Our business interruption insurance attorneys are highly effective in crafting effective appeals that provide insurers the information they need to reconsider claim denials. We are also not afraid to fight strategically and aggressively for our clients’ rights in court.
You can prepare for the free initial consultation with one of our business interruption insurance lawyers by gathering your policy documents and any paperwork that explains the losses you have suffered. If you have already filed a claim and it was denied, include the letter from the insurance company that gives the reason for the denial. If you had any communications with the insurance company that you don’t have printed records of, such as over the telephone or via online chat, write down the date of each communication and what was said. The more information you can provide, the better we can assess what your options may be for getting coverage.
If you have always paid your premiums on time and your coverage is suddenly dropped after you file a claim, call our attorneys. Your insurer may be acting in bad faith to avoid paying for your losses. Do not let them get away with it. Our business interruption insurance lawyers are experienced at taking on insurers who practice bad faith tactics.
These are general answers to questions. For answers that address your specific business interruption insurance concerns, reach out directly to Leverty & Associates to schedule a free consultation. Once we understand the details of your case, we can advise you how to proceed.
Turn to Our Experienced Business Interruption Lawyer for Help
When you have taken the right steps to safeguard your business in case of disaster and you are denied coverage when disaster happens, it is not surprising if you feel angry and frustrated. But don’t give up. A business interruption lawyer from Leverty & Associates may be able to help. Contact us today to arrange a free consultation at (702) 507-0201.