Enforcing Your Rights Under CGL Insurance Coverage
Businesses of all sizes depend on insurance to protect against risk — the particular coverage you carry will depend on your business, your exposure to litigation and your ability to absorb loss without endangering either your profitability or your operations. No matter what line of business you're in, however, your protection against loss for negligent personal injury or property damage depends on your commercial general liability (CGL) coverage.
Call 1-866-933-8910 for Advice About Commercial General Liability Claims
Just as your homeowners policy protects you from the risk of liability for accidents around your house, your CGL policy covers the expenses of defense and indemnification for a broad range of business risks. If your insurer denies coverage or refuses your defense against a lawsuit, the advice of an experienced insurance lawyer can help you protect and assert your rights. Contact the Law Offices of Greg J. Ryan in San Diego for additional information.
Our clients include contractors, retailers, property owners, professional practice groups and other businesses. We can advise you about what you can expect from your insurer if you're sued under any of the following circumstances:
- Contractors liability claims
- Premises liability claims
- Construction site accidents
- Construction defect litigation
- Injuries caused by the negligence of an employee
- Property loss claims against your business
- Employment practices liability claims
Dealing With Bad Faith Insurance Practices
The law implies in every contract, including insurance policies, a "covenant," or promise, of good faith and fair dealing. To fulfill its implied promise, an insurer must give at least as much consideration to the interests of its insured as it gives to its own interests. It must refrain from doing anything to injure the right of the insured to receive the benefits he is entitled to under the policy. An insurer's breach of the implied covenant of good faith and fair dealing constitutes what is commonly called "bad faith."
Making a claim to your insurance company is not supposed to be an adversarial process. Policyholders are particularly vulnerable and dependent on their insurance companies. When your claim is wrongfully denied, in whole or in part; when payment of your claim is delayed or improperly refused, we can advise you and fight on your behalf against any of the company's bad faith insurance practices.
As an attorney whose practice has focused on insurance law for nearly 30 years, Greg Ryan knows how to present your clearest case for defense and indemnification under a commercial general liability policy.
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The efforts of a good lawyer on your behalf can often encourage your CGL carrier to take prompt action if you're exposed to the risk of loss on a liability claim.
For further information about our ability to represent your interests effectively on a coverage dispute under a commercial general liability policy, contact the Law Offices of Greg J. Ryan in San Diego.
