Sued, and your insurance company won't defend you?
If your general liability carrier disclaimed coverage, refused to defend a lawsuit, or rejected your tender, don't take that first "no" as final. Send us the policy and the denial letter for a free review.
Request a Free Policy Review Or call (516) 535-9295Liability coverage denials we review
Insurers deny and disclaim liability claims every day. Many of those decisions can be challenged, especially when the lawsuit is already underway.
Business owners
A customer or visitor is injured, you're sued, and your carrier disclaims for late notice or an exclusion, or defends only under a reservation of rights.
Landlords and property owners
Your tenant's or contractor's insurer rejects your additional-insured tender, or your own carrier disclaims a slip-and-fall or trip-and-fall suit.
Contractors and subcontractors
A worker is hurt on the job and the carrier points to an employee or classification exclusion, or a subcontractor's insurer ignores the tender.
Commercial tenants
Your landlord demands defense and indemnity under the lease, and your liability carrier says it isn't covered.
We know how insurers think
For years our firm has defended liability claims in New York courts. We know how coverage decisions get made, how disclaimer letters are written, and where they may be wrong.
- In New York, an insurer's duty to defend is broader than its duty to pay. If the complaint even arguably falls within the policy, the carrier may have to defend you.
- For bodily injury claims, New York law requires insurers to disclaim in writing as soon as reasonably possible. A late disclaimer can be invalid.
- Additional-insured status, lease indemnity clauses and contract tenders often provide coverage that was overlooked.
How the free review works
Common questions
Is the review really free?
Yes. We review your policy and the denial at no charge and with no obligation. If you want us to take the matter on, we'll explain the fee arrangement in writing before any work begins.
I've already been sued. Is it too late?
No, but time matters. Your answer to the lawsuit has a short deadline, and coverage positions can be affected by delay. Contact us as soon as possible.
My insurer says it will defend me "under a reservation of rights." What does that mean?
The carrier is defending for now but keeping the option to deny coverage later. That can affect who controls your defense and whether you're entitled to independent counsel. We can review the letter with you.
Do you handle property or auto claims?
This review focuses on general liability coverage. If your issue is different, contact us and we'll tell you whether we can help or point you in the right direction.
Request your free policy review
No cost and no obligation. If you've been served with a lawsuit, contact us right away. Deadlines to answer are short.
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