News & Resources

If you’ve purchased business interruption (BI) insurance and are planning to submit a claim for benefits — or have already submitted a claim and have been denied — then you may be feeling somewhat confused by the ambiguity of coverage, and how that can be used by the insurance company to deny your claim. For example, you might have initially believed that your insurance covered you for man-made disasters (i.e., an arsonist-caused fire), only to […]

The 2020 Atlantic hurricane season will soon be upon us and it is important for homeowners to be prepared. As we’ve learned in past years, it only takes one storm to cause widespread devastation, and homeowners who take steps to get ready will be in the best position to begin the recovery process as quickly possible. Are you ready? Here are seven hurricane preparedness resources from the State of Florida, various U.S. federal government agencies […]

When a hurricane, fire or other disaster damages your business, filing a business interruption insurance claim may be your only option to cover your company’s expenses during the repairs. If you cannot sell because your systems are down or your facilities are inaccessible, business interruption insurance can provide the income replacement you need to stay afloat you go through the rebuilding process. If you purchased “extended” coverage, your policy will cover your business losses for […]

Experienced Insurance Coverage Lawyer in Miami, FL On an annual basis, the “gig economy” is growing significantly across the United States and the world at-large, spearheaded by big-tech efforts such as Uber and Fiverr, among other applications that connect independent contractors with those in need of a one-time service.  In fact, industry observers estimate that nearly 40 percent of the United States will be employed as independent contractors by 2020 (though of course many will […]

Generally speaking, an insurance agent has no obligation to, on its own, evaluate a customer’s particular insurance needs or give the customer advice regarding the coverage the customer should purchase. That said, insurance agents do have a duty to take the appropriate steps to protect their policyholders from potential risks and liabilities. If you think you have a claim for insurance agent or broker malpractice, a Miami insurance coverage lawyer can assist you. Importantly, if […]

Over the past decade there has been an explosion of technological, economic and cultural innovation, dramatically changing how we do business and live our lives. Many of these developments have disrupted the traditional approach to insurance. As a Miami insurance law firm, we stay up-to-date on trends that impact our industry. From the gig economy to driverless cars and the internet of things, insurance companies are racing to find creative, cost-effective solutions that match the […]

Many commercial property policies, as well as business owner’s policies (package policy for small businesses, often referred to as a “BOP”), include business interruption coverage.  It is designed to protect your business from a loss in income caused by an insurable event.  As Miami insurance coverage attorneys, we are experienced in helping our clients to maximize their recovery when a fire, hurricane or other disaster causes an interruption in business operations.  There are four important […]

Most homes have homeowners policies covering wind damage, but insurers have been steadily increasing hurricane wind coverage deductibles and imposing other sometimes draconian policy limitations.  In addition, homeowners’ policies do not cover flood, earthquake, tree removal (unless the tree damages the house) or food spoilage from power failures.  As a Miami insurance recovery attorney can tell you, in the wake of a storm, homeowners must be vigilant with their insurance companies throughout the claims process […]

New Jersey has joined the majority of states by supporting the federal “Daubert standard” for assessing the reliability of expert testimony.  In a recent decision, the New Jersey Supreme Court upheld the “gatekeeper” role of judges, allowing them to prevent juries from hearing scientific evidence the courts deem unreliable.  As a Miami insurance law firm, we stay up-to-date on legal developments that impact our practice.  Expert witnesses are the lynch pin of a product liability […]

The Eleventh Circuit Court of Appeals, which includes Florida, Georgia, and Alabama, has made clear that a five-year statute of limitations applies to bad faith claims in Florida. The case involved a policyholder’s bad faith claim against his automobile liability insurance provider for failing to settle a personal injury lawsuit. The insured had timely notified his carrier of a personal injury lawsuit brought against him involving an incident in which a passenger in his car […]