Bad Faith Commercial General Liability Insurance Attorneys

Injury and Accident Attorneys Serving St. Louis, Nearby Missouri, Fairview Heights, and Nearby Illinois

Commercial general liability insurance (which is also known as general liability coverage) is an insurance policy for businesses that protects them in the event their employees or customers sustain injuries on or off of the business’ property. While commercial general liability insurance can include coverage for premises liability, employer’s liability and employee benefits liability, it may also cover fire liability and some areas of the business’ operations.

When businesses have commercial general liability insurance coverage in place, these policies can provide coverage of medical expenses, court fees and other damages that a business may be held liable for in the event an employee or customer’s injuries are somehow caused by or related to the business. Despite the fact that many businesses have commercial general liability insurance, however, they may be left to fend for themselves in the event that their insurance company acts in bad faith by:

  • Denying legitimate claims that fall under their commercial general liability insurance policy
  • Unnecessarily delaying payment on legitimate claims
  • Undercutting the value of legitimate claims and only paying out a fraction of what should be paid for the claim.

In such cases, it’s essential that the insured remember that:

  • Their insurance policy is a contract between the insurance company and the business.
  • They can sue their insurance company for breach of contract and bad faith.
  • The insurance bad faith lawyers at Brown & Brown, LLP are here to aggressively defend their rights and help them secure the maximum possible compensation they deserve.

What Is Insurance "Bad Faith"?

Insurance bad faith occurs when an insurance company fails to honor a client's policy. Bad faith may include claim denial, underpaying claims, delaying investigations, intentionally moving slowly to process claims, and anything else that violates the terms of the policy.

What Is Commercial General Liability Insurance?

Commercial general liability insurance is a type of business insurance that covers primary business risks. Policies include protections for injuries or damages to individuals or property during regular operations.

Commercial general liability insurance policies cover bodily injury sustained by employees and customers. They may also cover property damages caused by your company.

Why Would I Need a Bad Faith Commercial General Liability Insurance Attorney?

If your commercial general liability insurer has failed to deal fairly with your business, you need an attorney on your side. An insurance bad faith attorney will carefully review your company's policy to uncover any violations and hold the insurance company liable for all that it owes.

At Brown & Brown, our commercial insurance bad faith lawyers know how to decode insurance policies. We have a long and proud history of holding bad faith insurers to account and are prepared to take valid claims as far as needed to help secure the fair and total compensation your policy demands.

What Does a Bad Faith Commercial General Liability Insurance Lawsuit Cover?

Bad faith insurance lawsuits are intended to force insurers to honor the commercial liability insurance policies they offer. When an insurance company fails to meet the terms of a policy, holders are entitled to seek the full amount of coverage through swift and aggressive legal action.

When Should I File a Claim?

If your claim has been unfairly denied or if your insurer is taking an unnecessarily long time to process your claim, it may be time to talk to a lawyer.

The best way to determine the proper course forward is through a one-on-one consultation at the St. Louis or Fairview Heights office of Brown & Brown.

If My Business Has Bad Faith Commercial General Liability Insurance, Do I Need an Attorney?

Unfortunately, bad faith is not something you can insure yourself against. There are no bad faith insurance policies. Bad faith refers to an insurance company's improper action or complete inaction after filing a claim.

You need an attorney if you are being dealt with in bad faith.

Insurance companies have reported record-breaking profits for several years running. Unfortunately, these profits often come at the expense of policyholders who are denied, misled, or otherwise cheated out of fair compensation. If your insurer is dragging their feet on a claim or refusing to deal fairly with your company, we are here to help you understand your rights and options.

If your insurance company has denied or undercut your commercial general liability claim and you are currently in need of a Missouri or Illinois insurance bad faith lawyer, we encourage you to email us and/or call us at 314-333-3333 or 573-333-3333 for our Missouri office or at 618-888-8888 for our Illinois office. We offer free consultations.