Have you ever been sued by your own insurance company? If not, you may be lucky. After you pay insurance premiums for years, insurers are just waiting to sue you in federal court to avoid defending your small business under a policy you purchased. A real-life example: A small business client had a customer get assaulted while on the property. Although the criminal had no connection to the client, the insurer refused to cover the claim and provide defense lawyers as set forth in the policy. The insurer then sued its own insured in federal court [insurance companies hate state court] seeking a “declaratory judgment” to avoid its obligations under the policy. Of course, that leaves the small business owner paying out of its’ own pocket to defend two lawsuits, instead of simply getting the coverage it purchased. Even if you do not contact Balli-Law, contact an attorney licensed in your location for advice prior to engaging in conversations with your insurer. If you are in AK, GA or AL, Balli-Law is here to help small businesses fight insurers.
