Practice Areas
Commercial Insurance
Commercial insurance generally has been divided into three classifications: title insurance, commercial bonds (fidelity, surety, official, and assorted related bonds), and credit insurance. Other classes of insurance like "casualty insurance" (e.g., workers' compensation, burglary and theft, and boiler and machinery) and "reinsurance" are also included.
In commercial insurance, the basic thought is to protect the one named as the insured, rather than merely standing in for the insured on behalf of a different obligee. These are certain unique contracts which ordinarily, but not always, are entered into between individuals or business enterprises and specialized insurers. In addition to commercial bonds, that would include, for example, title, credit, strike, loss of job, errors and omissions, and postal insurance rather than all possible forms of insurance that might be classified as commercial.
Our attorneys have been instrumental in assisting businesses when an insurance company does not want to provide coverage when something unfortunate happens. In those situations our lawyers of filed Declaration Actions against the insurance companies to force those companies to not only pay the claims, but also to provide a defense. Small businesses have enough things to worry about, having an insurance company provide protection should not be one of them. Our lawyers have also assisted developers in obtaining builders risk and all perils coverage in theft, damage and hurricane claims.
