OVERVIEW: Commercial insurance policies cover businesses against property damage to buildings, equipment, merchandise, and vehicles due to accidents, storms, and theft. Likewise, commercial insurance policies cover businesses against liability for negligent acts of the business or its employees. If you were injured on the premises of a business or as a result of an act of an employee of a business, it is very important to analyze the insurance coverage issues before proceeding with your claim. Frequently, coverage disputes arise as to whether a particular act or an employee is a covered condition under the policy. For example, intentional acts by the business or its employees are excluded from coverage. Likewise, in the case of premises liability, most claims involving assault and battery are specifically excluded. Insurance coverage is obviously important to both a claimant as well as to the business because without insurance the business is left exposed to liability.

KEY BENEFITS: Resolution of all first or third party commercial insurance claims. Review of policy conditions and exclusions. Analysis of coverage issues and damages. Pursuit of and defense against declaratory actions involving coverage or the duty to defend.

Note: The results and/or recoveries in individual cases are based on the facts and circumstances of that case.  Past results and recoveries achieved in similar cases are not an indication of the type of result or recovery that may be reached in your case.  Nothing stated herein is nor should be construed to be a guarantee of a result or recovery for your particular case.

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RESEARCH RESOURCES

Insurance Law ArticleInsure.comInternational Risk Management InstituteFlorida Department of Insurance

RELEVANT FLORIDA STATUTES

Florida Insurance Contract StatutesFlorida Motor Vehicle Insurance StatutesFlorida Property Insurance StatutesFlorida Unfair Insurance Practices Statutes