First Party Property Insurance

Chicago First-Party Property Insurance Claims Attorney

Committed Advocacy for Insurance Recovery

When you enter an insurance agreement and regularly pay your monthly premiums, you take the proactive step to protect yourself, your business, and your property. These policies are designed to help you weather difficult moments when unforeseen crises arise, but when your insurance company fails to honor your agreement and disburse the financial support you need, you are left in a difficult and vulnerable position.

Insurance policies are legally enforceable agreements, and when an insurance company refuses to honor their obligations and deliver what you are owed, they need to be held accountable. Our Chicago first-party property insurance claims lawyer at the Kenny Law Firm can work to recover the financial resources you need when an insurance company unlawfully fails to payout. We have over 20 years of insurance dispute experience and never work for insurance companies. Our team has your back in these challenging scenarios and will do everything possible to recover your insurance proceeds.

Automobile Insurance in Illinois

The state of Illinois requires that all motorists carry statutory limits of insurance. Many choose to invest in more exhaustive insurance policies that go above and beyond the statutory requirements, covering additional damages and/or protections from excess liability. Some drivers will also procure uninsured and underinsured driver policies that provide an additional financial safety net should they get into an accident with someone without sufficient insurance themselves.

When you do get into an automobile accident, you will need to file a prompt claim with your insurance carrier. However, more comprehensive policies can have complex notice requirements that, if not properly adhered to, can result in a carrier attempting to not pay.

In other words, if you do not know how to navigate your insurance company’s bureaucracy, they may find a loophole to avoid paying for an accident that would otherwise be covered. If you have recently been in an auto accident and are preparing to file your claim, our team can review the intricacies of your insurance policy to ensure your policy is properly triggered. We can also assist with any arbitration or disputes that may arise in the processing of your claim.

Business Interruption Insurance in Illinois

A hurricane, earthquake, or fire can cause physical damage to a facility and equipment, but the overall damage to a business can become exponentially greater if personnel are not able to promptly resume work. When a natural disaster keeps your business from continuing normal operations, business interruption insurance is intended to help bridge the financial gap. Proceeds from a policy can typically cover salaries, utilities, and other ongoing expenses.

Should an insurance company refuse to abide by the terms of a business interruption policy, they threaten your company’s ability to remain solvent and retain its top employees. Our team can help you explore your legal options and recover the insurance proceeds your business needs.

Commercial General Liability Insurance in Illinois

Businessowners typically hold general liability insurance that protects their companies and themselves from any injuries or damages that might occur on their commercial property. These policies are designed to protect both the business and the businessowner from legal action by compensating any party injured on the premises.

Businessowners depend on these policies paying out should they face a lawsuit. When an insurance company unreasonably delays payments or fails to pay at all, the business could face financial ruin if the injured party is awarded a substantial settlement that you alone cannot pay.

Our Chicago first-party property insurance claims attorney can help your business navigate disputes involving your commercial general liability insurance. We can ensure your policy will adequately protect your company in the event of an employee injury and work to recover the proceeds you are owed if your insurance company refuses to honor their obligations. We can also assist in situations where an insurance company refuses to defend its policyholder as part of related litigation.

If you are an individual that was injured on commercial property and the businessowner does not have the means to repay you, you may be able to pursue legal action against the company that is insuring the business. We can assess whether you may be entitled to recover damages.

Directors and Officers General Liability Insurance in Illinois

Senior directors and officers of companies of all sizes – public and private, large and small, for-profit and nonprofit – now regularly carry general liability insurance to protect themselves from legal action. Any action from leadership is heavily scrutinized by other company leaders, stockholders, and regulators, and even routine transactions like terminating an underperforming employee can result in litigation.

Even frivolous litigation involving directors and officers can result in substantial monetary settlements. General liability insurance policies are meant to cover these costs and financially protect executive policyholders, but sometimes an insurance company will unreasonably refuse to pay losses in certain scenarios. We can evaluate your unique situation and determine what options you have in recovering the insurance proceeds you are owed.

Errors and Omissions Liability Insurance in Illinois

Accountants, attorneys, doctors, and other professionals rely on errors and omissions liability insurance to protect them when a client is injured. Insurance companies will sometimes refuse to pay losses incurred by a client, leaving policyholders in an unfair and financially vulnerable position.

If you are a professional facing a claim from an injured client, you will need to act quickly and decisively. Our legal team can work with you to ensure your notice is promptly given and is in compliance with all terms of your errors and omissions liability policy. We can help advocate for you in any disputes that may arise between you and your insurance company.

Excess Verdict Cases in Illinois

When your insurance company meets with an injured party on your behalf, they may refuse to take a fair and reasonable settlement offer that is within the parameters of your policy. Some insurance companies will do this because they want to avoid paying any amount and all. Instead, they gamble with your personal liability by taking the case to trial, where they risk being hit with a settlement that is greater than what your policy allows. You can be unfairly left on the hook for paying this difference.

You generally have the right to pursue legal action against an insurance company that is acting in bad faith by refusing a reasonable settlement and thereby exposing you to personal liability. Our team can determine if you have a case and help you explore your legal options.

Schedule a free initial consultation with our Chicago first-party property insurance claims attorney at the Kenny Law Firm by calling (312) 647-2483 or contacting us online.

We Care About Your Experience

  • He was willing to take my case and try to get it back on track. For the first time in a long time, I felt that I just might get justice, be free to enjoy my First Amendment right to freedom of speech.

    - Shellie
  • “Thank you Jim for helping us when no one else would take the time.”

    - Michael & Peggy
  • “Thank you for all of your assistance and expertise.”

    - Brittany

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