Business Insurance Claim Attorney
Get the help you need with expert business interruption claim lawyers.
We Are Here for You When Your Insurance Is Not
Businesses invest thousands into insurance to protect themselves and their employees. As such, employers rely on their insurance to be there for them when needed. If your insurer is denying or underpaying your business interruption claim, contact the expert insurance claims attorneys at Wettermark Keith for help.
was your business insurance claim wrongfully denied?
we can help tell your story.
Types of Insurance Claim Policies and Areas We Work With
Directors and Officer Policies
Directors and officers (D&O) policies are designed to protect individuals from personal losses if they are sued for something while working in the capacity of a director or an officer or a business or other type of organization. This coverage includes coverage for legal fees and other potential case-related costs.
Commercial Property Policies
These types of policies are similar to homeowners insurance policies, except that they are designed for commercial or investment properties. These policies can protect your business from a scale of issues, including fire, burst pipes, storm damage, and more.
Commercial General Liability Policies
Commercial General Liability (CGL) insurance covers businesses with situations regarding the allegation of causing bodily injuries or damage to another individual's property.
Commercial Auto Policies
Does your company have delivery vehicles or other company-owned vehicles? Then you likely have a commercial auto policy attached to the car, truck, or van. These policies protect against damages sustained to a commercial vehicle and operate similarly to your personal auto insurance coverage.
Professional Liability Policies
Professional Liability insurance is similar to commercial general liability coverage, except professional liability coverage typically includes protection against claims of negligence, copyright infringement, or personal injury disputes from customers or clients.
Worker's Compensation Policies
Can businesses rely on commercial and professional liability insurance coverage to protect themselves? But what about the workers? This is where worker's compensation policies come in. These protect the worker in case there is an accident or workplace-related incident that keeps you out of work. Worker's comp can help bridge the financial gap from not being able to work from an event your company is liable for.
Aviation insurance policies protect against physical damage to an aircraft as well as any legal liability coming from that aircraft's ownership and operation.
Unemployment insurance is a benefit for workers who have been laid off or lost their jobs under another specific criteria-eligible circumstance. It provides temporary income payments while that person seeks other employment opportunities.
Fiduciary liability insurance is a form of risk management for companies looking to protect its interests and the interests of its employees. This insurance protects against claims of mismanagement and potential legal liabilities arising out of benefits provided to employees. If there is an issue with benefits-related claims, fiduciary insurance is there to help.
Health Insurance Policies
Health insurance provides coverage to limit out-of-pocket expenses on medical treatment, whether emergency or routine. Your health insurance protects you against being on the hook financially after bodily injury or medical procedures.
Long Term Disability Policies
Long-term disability insurance can assist with providing finances to cover living expenses after suffering a long-term injury or disability. This coverage allows expenses for things like food, shelter, utilities, mortgage payments, car payments, and more.
Title Insurance Policies
If you have ever purchased a home, you have dealt with title insurance. This is a form of indemnity insurance protecting lenders and homebuyers from any financial losses from a defective title attached to a property. The most common types of claims filed against title insurance providers involve back taxes, liens, and conflicting wills.
Short Term Disability Policies
These policies are simply shorter alternatives to long-term disability insurance coverage. These benefits can help replace the lost income and typically kick in within two weeks of a qualifying injury or illness. Short-term disability benefits can last anywhere between 13-26 weeks, depending on the terms of the policy.
Boiler and Machinery Policies
Otherwise known as equipment breakdown insurance, boiler, and machinery (BM) insurance covers any financial losses stemming from equipment breakdown. This type of insurance is commonly seen in factories, farms, and other goods-production companies.
Errors and Omissions Policies
Business Liability insurance protects against losses related to bodily injury or property damage associated with commercial property. Errors and Omissions (E&O) insurance can help resolve claims dealing with losses not covered by traditional liability insurance. For example, this insurance protects your company from claims for negligent acts, errors on a delivered product or service, or omissions occurring in business activities directly leading to some type of financial loss.
Business Owners Package Policies
Business Owners Policies (BOP) is a bundle of insurance coverages for commercial enterprises sold at a premium rate. Many small to mid-sized businesses are looking to BOPs to have a convenient, one-policy-fits-all term option. They are typically utilized for businesses that face the same type of degree of risk and kind of risk. BOPs can include:
- Property insurance for company buildings and any company contents owned therein. You can elect for standard or special insurance, each of which comes with its own coverage limits, conditions, and benefits.
- Business interruption insurance can cover the loss of income from a covered peril event that disrupts the normal operation of the business.
- Liability protection covers your company's legal liability in the event of harm being caused to someone or an individual's property at your business. This injury or damage can come from negligence, errors, or equipment breakdown.
What If My Insurance Company Denies My Claim?
While filing an insurance claim may seem like an uphill battle, know that there is light at the end of the tunnel. Also, just because your insurance company denies your initial claim does not mean you are without options.
Insurance claims can be time-sensitive with when you can file, how much time you have to appeal your insurer's decision, and more. If your claim has been denied, we recommend you do the following:
- Contact a reputable insurance claim lawyer to learn more about your options
- Gather all paperwork related to your claim
- These include a copy of your insurance policy, any correspondence between you and your insurer, photos and videos (if available) of the incident in question - or any damage from it, financial records, and more.
- Review your policy to confirm that you took all the necessary steps to file the claim.
Why Should You Trust Wettermark Keith?
We Treat Our Clients Like Family
The driving force behind our success at Wettermark Keith is client satisfaction. We work hard to achieve the outcomes our clients need, even if that means taking your claim to trial.
At larger law firms, your claim is just a number. While we have grown as a firm, we treat all cases, large or small, the same. We want our clients to feel heard and appreciated. With us, know that your story will be told, and you will have someone in your corner.
Communication is Our Priority
One of the biggest complaints against larger firms is their lack of communication with their clients. At Wettermark Keith, we make it a priority to stay in constant communication with clients on legal strategy and updates on their cases.
Even if your case is stalled, we understand that you want to stay in contact with the people organizing your case. One of the best ways to win your case is to tell your story, about how business interruption has affected your livelihood.
We will help you build that story and walk you through each phase of the process.
Winning Track Record
We have helped clients recover over $1 billion in entitled coverage benefits. When cases go to trial over bad faith insurance actions, we can also help clients recover more than the original claim amount.
We have established a strong reputation as one of the most successful firms in the southeast. We have been featured in numerous publications, including The Birmingham News, The Louisville Courier-Journal, The Atlanta Journal-Constitution, Florence Times Daily, Birmingham Business Journal, Kentucky Post, Cincinnati Enquirer, The Telegraph (Macon), The American Lawyer, The Clarion-Ledger (Jackson), News Herald (Panama City), National Public Radio, and many other media outlets.
We Work on a Contingency Fee Basis
Our firm understands the financial hardship that business property losses can bring. This is why we don't want to make things worse by adding the strain of paying for legal representation.
At our firm, you do not pay us a cent unless we win your case. We will front the cost for any expert witnesses we bring in or secondary reports we need for your case. We work to earn your business and don't just take your money and risk losing the case.
About Wettermark Keith
Wettermark Keith™, with offices located throughout Alabama, Tennessee and now Florida, has an excellent reputation as one of the most accomplished personal injury firms in the country.
Our reach is not only regional, but it also includes a diverse range of practice areas. Our firm's practice areas include:
- Personal injury cases
- Auto wrecks
- Trucking wrecks
- Insurance dispute claims (including storm damage claims)
- Nursing home abuse
- Medical malpractice
- On-the-job injuries (including workers' compensation)
- Social security disability
- Veterans’ disability claims
- And many more
At Wettermark Keith, we believe in taking cases personally. Our purpose is to practice with care and compassion—to tell our client's stories and make their voices heard. We do this by building strong relationships based on constant communication and an unwavering dedication to truth and trust.
Winning cases isn’t our goal - caring for you is. Winning is just how we show it. As we say, It’s more to us, it’s personal.
Where Are Your Offices Located?
We serve people throughout Alabama, Tennessee, Florida, and Georgia and have offices in Birmingham, Chattanooga, Dothan, Huntsville, Montgomery, and Knoxville.
How Our Business Interruption Claim Process Works
Step One: Contact Us
You can contact our firm via phone, email, or online form fill. Simply answer a few quick questions, and someone from our team will reach out with the next steps.
Step Two: Get Your Free, No-Obligation Consultation
We will sit down with you to go over the details of the case and determine whether we can be of assistance. Our attorneys will map out your case and show you how we can help recover your entitled coverage benefits.
Step Three: Investigation and Fact-Finding
If you sign us as your attorneys, we will then move into the investigation phase and gather important documents. These include your policy and any correspondence between you and your insurance company.
From there, we will determine whether it is necessary to retain any third-party experts to provide a supporting opinion on your case.
Step Four: Negotiate a Settlement or Move to Trial
We always try to negotiate a fair settlement with your insurance company, which many prefer over going to trial.
However, if your insurance company is uncooperative and wants to try the case in court, our attorneys are fully prepared to meet them in trial. Any court costs are covered as part of our contingency fee basis.
Contact Us for a Free Consultation
Don't let an insurance claim denial stop you from seeking your entitled coverage benefits! Contact the insurance claim attorneys at Wettermark Keith to get the money you deserve. We look forward to helping you resolve your insurance claim dispute.
Don't let your business go under from property loss or mandated closures!
Contact the business interruption claim attorneys at Wettermark Keith to get the money you deserve.
We look forward to helping your business get back on its feet.