Are you struggling to understand if your business insurance policy should cover the interruption caused by Covid-19? Or, has your claim been denied? We can help. Contact us today to discuss your options.
COVID-19 is wreaking havoc on Nevada’s businesses, with the service industry being especially hard hit. Most business owners did what they could to protect themselves and their employees by purchasing business insurance for the things they didn’t expect, but what recourse is there when your insurer won’t pay the claim?
Business owners count on these policies for sudden business interruptions, like those caused by fires, power outages, and now global pandemics that no one saw coming. However, insurance companies are still driven by their bottom line – not yours. Too often they deny valid claims, pressure policyholders into accepting a fraction of their losses, or delay payment for months or years. These actions can devastate businesses and are called “bad faith” practices. It’s important to hold these companies accountable for wrongful denials, but it takes an experienced and aggressive bad faith insurance lawyer to get the compensation that you deserve.
Oronoz & Ericsson, LLC represents business owners across Clark County whose valid COVID-19 business interruption claims have been unfairly denied. We know how these insurance companies operate, the tactics they use, and how to secure what you’re owed. If you believe your insurance company has acted in bad faith in the aftermath of the coronavirus, call (702) 935-1762 or reach out online for a free consultation. Our Las Vegas insurance bad faith attorneys are ready to fight for you and our services will not cost you a penny unless we recover compensation
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Not every insurance claim denial rises to the level of bad faith. There are genuine times when an insurance policy does not cover the type of loss your business sustained.
Insurance documents are purposefully long and complicated, and coverage depends on state insurance laws and the specific companies involved. It’s best to review your individual business insurance policy to see what is covered and excluded. If your COVID-19 business interruption claim was denied, you should look for policy language concerning disaster exclusions, or losses related to damage caused by or resulting from any virus, bacterium or other microorganisms.
If you still suspect your insurance company hasn’t treated your claim fairly, then meet with Oronoz & Ericsson, LLC today. You shouldn’t be penalized by an insurance company acting in bad faith.
A business insurance policy is a contract between you as the policyholder and the insurance company providing the coverage. Bad faith happens when the provider refuses to pay a valid claim or acts in a way that hinders payment.
Acts of business insurance bad faith include:
Settlement for our client’s injuries after a Las Vegas car crash.Topic // Car Accident
Settlement for the tragic loss of a loved one.Topic // Wrongful Death
Recovered for a severely injured client after a motorcycle crash.Topic // Motorcycle Accident
Under Nevada law, insurance companies have a duty to treat the people and businesses they cover fairly. When they fail to do so, it opens them up to legal action similar to a breach of contract or personal injury claim and exposes them to liability. This usually follows an unsuccessful appeal of the original decision and means filing a bad faith business insurance claim in which you must prove the following legal elements:
Unfortunately, proving that your insurer knowingly acted unreasonably can be difficult and much of the evidence relating to your claim’s denial will be under the insurer’s control. While it is essential to keep track of everything you have relating to your claim, there are other internal communications and records that you won’t immediately have access to that may help establish they were acting in bad faith.
By initiating a bad-faith lawsuit, you can conduct a formal discovery period and gather essential documents directly from the insurer. This paper trail, combined with interviews, deposition, and a thorough investigation from an attorney can strengthen your position, bring them to the negotiating table, or convince the court that you were wronged and deserve compensation.
For instance, an attorney may work to establish a pattern of bad faith practices. This may include showing how other claims were also mishandled, or if the company culture encouraged automatic denials. By demonstrating these behaviors, it may be easier to prove bad faith.
At Oronoz & Ericsson, LLC, our team knows how to get answers and results. Our bad faith insurance attorneys are aggressive, resourceful, and relentless with years of experience dealing with uncooperative insurers.
When you’ve been wrongfully denied the coverage you were depending on, Nevada law allows you to recover several types of financial damages from an insurance company acting in bad faith. A potential settlement or award in a bad faith claim may include the losses they should have covered in the first place as well as damages you incurred because of their unjust denial.
Bad Faith Business Insurance Damages Include:
The damages you can expect to recover will vary depending on the unique details of your situation. That’s why we encourage you to discuss the circumstances surrounding your insurance denial with an experienced lawyer from Oronoz & Ericsson, LLC.
We aggressively pursue the maximum possible amount of compensation for our clients, and we have a track record of success. We never back down from a fight, and never encourage our clients to settle for less than they deserve.
Whether you are a large casino/hotel on the Las Vegas Strip, a locally owned restaurant in Spring Valley, a gym in Paradise, or a salon owner in Henderson, the impact of being forced to close due because of the coronavirus is tremendous. You counted on your business insurance to be there if there was a fire or water leak. But a mandatory shutdown to protect public health has left you alone to figure out how to pay the bills with no money coming in for weeks or months.
If you carried the appropriate coverage, only to be abounded by your insurance company through a bad faith denial of benefits, you still have options to get the compensation your business needs.
At Oronoz & Ericsson, LLC, we understand what you’re going through and want to help. Let us put our decades of insurance industry experience to work for you in the wake of the COVID pandemic. We have the skill and resources to take on any insurance company, our aggressive team of trial attorneys know how to uncover bad faith tactics. Most importantly, we have what it takes to prove they owe you compensation.
Let us review your business insurance policy, the reason you were denied, and build a case to get everything you deserve. There is no obligation or risk in speaking with our Las Vegas insurance bad faith attorneys because your initial consultation is absolutely free. We also do not get paid unless we recover compensation on your behalf. Call Oronoz & Ericsson, LLC today to get started.