Your Business Deserves Protection; Insurers Should Uphold Their Obligations
Last updated on May 13, 2025
Your brick-and-mortar is a crucial business asset. So, if something happens to it, you want to feel at ease knowing your insurer will step in to help cover the cost. Unfortunately, insurance companies don’t always fulfill their obligations when you file a claim. If that happens, you may worry about what your options are.
At MGW Law, we believe in holding insurance companies accountable when they don’t uphold their promises to cover your commercial property. Our team of experienced attorneys brings more than 50 years of combined experience in the insurance industry. Many of us have worked on both sides of the insurance industry, so we understand the tricks and tactics they use to try and deny your insurance claim.
Offering Practical Guidance For Business Owners
We utilize our knowledge and experience to help business owners effectively gather documents and prepare for insurer site inspections. This can help business owners develop a sound claim or use it as evidence in a legal case where an insurance company tries to deny the claim in bad faith.
Watch Out For These Bad Faith Tactics By Commercial Insurers
Like other insurance industry sectors, those who operate in the commercial space are no strangers to acting in bad faith. Commercial insurers may employ lousy faith tactics such as:
- Developing biased engineer reports
- Denying your claim without sound justification
- Misrepresenting the terms of your commercial insurance policy
- Conducting long and unnecessary claims investigations
- Claiming unnecessary exclusions
- Threatening/intimidating policyholders into dropping their claims
We are vigilant in identifying and combating these unfair and illegal practices so that you can pursue the damages you deserve. Our team of lawyers is prepared to simplify complex claims involving multiple adjusters. Call us at 920-383-3911 to learn more about how we can help you identify bad faith tactics.
Other Commercial Insurance Matters We Can Help With
Those can include:
Business Interruption Coverage Disputes
When your business operations come to a halt, every moment counts. Sadly, in these incredibly vulnerable moments, insurers may try to improperly deny business income losses or present calculation disputes for lost revenue. We can help you challenge these practices and address issues such as extended periods of indemnity and civil authority coverage limitations. Advocating for your business’s financial recovery is our top priority.
Commercial Property Damage Claim Handling
Commercial property claims can be daunting, especially when facing unreasonable delays or biased investigations by an insurance company. We’re equipped to tackle these challenges head-on. Our goal is to ensure the insurance company does not undermine the validity of your claim through illegal, bad faith practices. We are skilled in spotting and calling out lowball settlement offers and improper depreciation applications.
Policy Interpretation Issues
Insurance policies can often contain ambiguous language, making it easier for insurers to misrepresent their coverage options. We work diligently to prevent insurers from exploiting these ambiguities or improperly applying exclusions. Our goal is to ensure the insurance company remains honest and transparent about its coverage limitations and hold it accountable when it misleads you.
Valuation Disputes
Some insurance companies may misinterpret the value of your commercial equipment and inventory, which can significantly impact your business. We can address conflicts between the Replacement Cost Act, real cash value and specialized equipment valuation problems.
What To Consider If You Have Multiple Business Locations
Coverage disputes can become even more complex when your business has multiple locations. We can ensure that each location receives fair treatment from the insurance company and that no location is left behind.
We Are Here To Support Wisconsin Businesses
You invest so much time and energy into your business. You know that having insurance coverage is crucial to weather any emergency. However, when your insurer denies that coverage, it can feel devastating. You can count on us to fight for your compensation when that happens.
Contact us today to schedule a free consultation. Call our Manitowoc office today at 920-383-3911 or visit our contact page to get started.