Get Help From an Experienced General Liability Insurance Lawyer
Leverty & Associates has assisted Nevadans in insurance dispute cases for more than four decades. Our general liability insurance lawyers have in-depth knowledge of liability policies and the coverage issues that businesses may encounter.
As exemplified by the over $150 million in compensation we have won for clients, we are not afraid to take on big insurance companies who negligently or intentionally wrong their policyholders. Call our Las Vegas insurance law firm at (702) 507-0201 to schedule a free consultation.
What Is Covered by General Liability Insurance?
General liability insurance, also referred to as business liability insurance, covers losses from claims made by outside parties for injuries or damage caused by a business, its products, its employees and its operation. Without insurance, you could be responsible for paying lawsuits out of your own pocket. Both business and personal assets can be protected under general liability insurance. General liability insurance typically covers:
- Bodily injury claims, such as if a customer is hurt at a business or due to the negligence of an employee while on the job
- Claims of copyright infringement by another party or other claims of intellectual property infringement
- Allegations of slander, libel, and other reputational issues
- Property damage if the business or an employee harms another party’s property.
What Is Not Covered by General Liability Insurance?
While damage that your employees cause is covered by general liability insurance, injuries to your employees are not. Work-related auto accidents and injuries are not covered. Injuries caused by not following the regulations for the industry may not be covered. Additionally, general liability insurance does not protect professionals such as certified public accountants and attorneys who provide guidance that causes harm; these professions can be protected under professional liability insurance.
General liability insurance is sometimes bundled with other types of insurance into business owners’ policies. When we understand your case and your policy, we can advise you whether your claim that was denied should be covered by your general liability insurance company. If so, we will stand up strongly for your rights.
Why Choose Our Insurance Law Firm?
Our multi-generational insurance law firm has served Nevada businesses and individuals for over 40 years. Our four attorneys have more than 100 years of combined experience in insurance law. We know how insurers think and operate, and we put that knowledge to work to get positive outcomes for clients in general liability cases and all areas of insurance. When you work with us, you will have the advantage of being represented by:
- A law firm with proven results. We have recovered more than $150 million for clients.
- Attorneys with full understanding of the insurance system. Firm founder Gene Leverty was Chief Deputy Insurance Commissioner of the State of Nevada. Patrick Leverty holds a Masters of Law in Insurance.
- A law firm with satisfied clients. Read our testimonials page to learn what past clients have to say about us.
- Attorneys who work on contingency. You do not pay us until we get you a settlement or judgment. When we agree to represent you, we believe we can win your case.
We offer free consultations so we can learn about your case and you can learn about us. Call us for help when you want an insurance law firm with a stellar track record of recovery, a deep commitment to clients and a respected reputation in Las Vegas, the state and across the country.
Get in touch with us by calling at (702) 507-0201.
How Our Insurance Dispute Lawyers Can Help
If your insurer denies your claim, underpays it or delays payment, you could be severely harmed financially. In addition to the financial harm, battling an insurance company is very stressful, especially if you are not well-educated about the complex insurance process. Insurers are in business to make money, and they may look for reasons not to pay claims or to underpay them. Our Las Vegas insurance lawyers understand the insurance system and how insurers operate, and we are well-equipped to fight them on their own playing field. When we handle your case, we will:
- Carefully review your general liability insurance policy to understand your exact coverage
- Examine the reason your claim was denied to determine if it was a case of insurance bad faith or if the insurer believes your claim is not covered
- Develop a strategy to refute the reason that your claim was denied and to get it paid
- If the insurer simply will not pay your claim and is using bad faith tactics like ignoring the evidence, not appropriately investigating it or otherwise intentionally avoiding paying, we will counsel you about suing the company in court.
When you believe your business is protected and you find out it is not, it can come as a shock. You worry about losing your business and potentially your personal assets if you are sued. Our Las Vegas general liability insurance lawyers will stand up for you if you are being unfairly denied the coverage you signed up for and paid for.
Contact Leverty & Associates today to arrange a free consultation with an experienced, responsive, and knowledgeable insurance lawyer by calling (702) 507-0201.
Reasons for Denied General Liability Insurance Claims
There are various reasons insurers may give for denying business liability insurance claims. They include:
- Your general liability policy was canceled due to missed payments.
- Your policy had expired and had not been renewed.
- The accident, injury or property damage was not covered by your specific policy.
- You exceeded your coverage limits.
- The insurer suspects fraud in the injured party’s claim.
- The claim was not filed in a timely way.
There may be situations in which claim denials for these reasons are valid. But if you believe your claim denial is not valid, we will investigate for you. Do not give up because the insurance company has provided a reason for denying or underpaying that sounds reasonable on the surface. If you believe it is not true, it is in your interests to speak with an experienced insurance lawyer.
General Liability Insurance Dispute FAQs
Insurance claim denials happen all the time as insurers look for ways to not pay out on policies. Following are some of the common questions we receive about business liability insurance and claim disputes.
When you have a general liability insurance policy, your insurer should pay any claims that are made against your business for covered reasons. The policy should pay for medical expenses of the injured party making the claim against your business. It should also pay for costs to repair or replace damaged property. It pays the attorney fees of the person suing you and should pay your attorney fees in defending you. We can help you understand what should have been covered and represent your interests in recovering compensation.
You could receive damages for all the losses that the insurer has cost you by denying your claim. Damages could include compensation up to your policy limits for the amount of the original claim against you. You might also be able to get punitive damages if the insurer acted in bad faith. You may also request compensation for your attorney fees. Once we understand the specifics of your case, we can advise you about the possible value of your lawsuit.
By working with a skilled insurance lawyer, you have the best chance of proving bad faith. Insurers have expensive lawyers looking out for their interests. These lawyers are highly experienced in defending bad faith allegations against their employers. When you were unreasonably denied liability benefits by your insurance company, a lawyer from our firm can investigate the evidence of bad faith and build a case on your behalf. You can help your attorney prove the denial was in bad faith by providing all the documentation related to the claim denial or underpayment. This evidence can include the denial letter and any other letters, emails or written communications you have between you and the insurer. You can also provide a copy of your policy. Additionally, make notes of any phone conversations or face-to-face discussions you have had with the insurance company.
If we are able to negotiate a resolution, it may take just months. If after communicating with your insurer, our attorneys still cannot achieve payment of your claim and we have to sue them in court, it will typically take significantly longer. Cases that go to trial may take a year or more depending upon all the circumstances involved. However, sometimes simply the threat of being dragged into court will convince insurers to pay for policyholder claims. They often do not want to spend the time or undergo the hassle of a court case. And if there is strong evidence of bad faith, the insurer could end up paying a lot more money to you than it originally owed.
To get legal guidance for your specific case, reach out directly to our law firm. You can arrange a free consultation to learn your legal options.
Contact a Responsive Las Vegas Insurance Lawyer
If your general liability insurer is trying to take advantage of you, or if they are not paying your claim because they honestly believe you are not covered, contact our law firm today. No matter the reason for your claim denial, underpayment, or delayed payment, we will get to the bottom of it. If it is a case of insurance bad faith, we will fight for your rights and interests all the way to trial if necessary and if that is within your wishes. If your insurer is not paying you because they are mistaken, we will work to convince them of the error and get you a resolution. Do not hesitate to reach out when you need help. Contact Leverty & Associates at (702) 507-0201 to schedule a free consultation.