Insurance Coverage and Claims

Insurance is intended to protect us when we are at our most vulnerable. Too frequently, insurers abandon their insureds at the most critical times. Whether you are a business owner or an individual insured, you deserve to have your claim considered promptly and fairly by your insurance company.

The attorneys at Maier Gutierrez & Associates have over 50 years of experience assisting insureds in obtaining coverage and benefits owed to them by their insurance companies during difficult times.

If you have a claim that has been wrongfully denied by your insurer or if your insurer has not acted in your best interest, we can help. Let us guide you through the claims and appeals process to ensure that you receive the benefits to which you’re entitled.

We handle the following types of insurance cases:

  • Business Interruption
  • Insurance Bad Faith
  • Unfair Claims Handling Practices
  • Denied Claims
  • Auto
  • Uninsured/Underinsured Motorist (UM/UIM)
  • Homeowner’s Insurance
  • Disability
  • Life
  • Health
  • General Liability
  • Casualty
  • Excess and Surplus Coverage

COVID-19

The recent COVID-19 pandemic has caused billions of dollars in damages and lost revenue to both local Las Vegas businesses and enterprises across the country. From government-mandated closure for “non-essential” businesses to decrease in traffic and consumer spending for businesses fortunate enough to remain open, the losses suffered by companies can be staggering or even fatal.

Many affected businesses have insurance policies that include coverage for loss of business income or business interruption. Although organizations can reasonably expect that their insurance policies will provide coverage for their losses resulting from the COVID-19 pandemic, insurance companies have gone on the offensive, some going so far as to preemptively release statements informing businesses that policies do not provide coverage for loss of income due to COVID-19. While it is true that some business policies will not provide coverage based on exclusions or lack of proper coverages, some policies might provide coverage.

Business owners who have suffered losses as a result of the COVID-19 outbreak and/or government mandated closures and think they might be entitled to benefits within their insurance policy should act quickly. Many insurance policies contain provisions requiring prompt notification of potential claims and other duties and obligations on the insured to ensure that a claim is considered and evaluated by the insurance company.

It is essential to hire a lawyer who is exceptionally qualified in successfully in dealing with insurance companies and understanding the issues important to business owners. The attorneys at Maier Gutierrez & Associates are experienced in representing businesses and obtaining insurance benefits when insurance companies resist or refuse payment of claims.

We offer a flat rate to help local businesses during these uncertain times, and we’ll work with you remotely to help you understand your insurance coverage and potential claims you can make. MGA will review your existing business insurance policy and consult with you on either a one-hour video or conference call regarding existing coverage and potential claims. Contact us for help today.

We’re a small business, too, and we’re here to help.

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