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Whether you are a business or an individual, an insurance company likely has made you or your company several promises. These promises take different forms, either to provide the funds to defend a claim brought against you or to provide much-needed support when you have suffered a major tragedy.
Sometimes insurance companies do not honor their promises to protect you or your company when a problem arises. At other times, insurance companies may be able to avoid honoring their promises for legitimate, but highly technical reasons. Insurance policies can be complicated, and making a claim can appear to be a tricky process or made to feel like a frustrating one. WardKim’s attorneys have extensive experience in dealing with insurance companies—whether in assisting with the claim process or, if necessary, in attempting to have an insurance company honor its promise.
Insurance also may play an important, but not so obvious, role in litigation. Sometimes, it is the insurance policy of another person or company who you are suing that may provide the only means to remedy a harm you have suffered. By combining substantive legal knowledge and litigation experience, WardKim’s attorneys can capitalize on subtle opportunities by unconventional analysis and implementation of creative strategies.
We handle numerous first- and third-party claims against insurance companies. Some of the types of claims we handle are the following:
- Bad faith – Bad faith may arise under many types of insurance policies. Florida law allows insureds who have suffered an injury because of the bad faith of an insurer to bring additional claims against the insurance company based on such conduct.
- Property and Casualty Insurance – These claims include property losses for hurricanes, fire, flooding, or other acts of God. Coverage, if any, usually exists under a homeowners’ insurance policy. Homeowners’ associations, condominium associations, apartment complexes, and other commercial properties also may have claims for property and casualty losses.
- General Liability Insurance – These claims generally are business claims that include coverage for bodily injury or advertising injury, among others.
- Director and Officer Liability Insurance – These claims arise from membership on the board of directors of a corporation or from actions taken as a corporate officer. Such claims frequently involve underlying lawsuits for breaches of fiduciary duty against the board member or officer.
- Errors and Omissions Insurance/Professional Malpractice Insurance – These claims include underlying lawsuits against a company for the company’s negligence. Errors and omissions insurance covers a company or individuals in the event that a customer blames the company for damages arising from the services the company provided, or failed to provide. Malpractice insurance for attorneys, accountants, architects or engineers are examples of errors and omissions insurance.
Examples of our representative experiences in this area are available here.
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