by Evan Schwartz | Mar 31, 2026 | Business Insurance, Insights
The “direct physical loss” condition in business insurance policies has caused much confusion and litigation over the years. Unless a covered event causes “direct physical loss” to insured property, insureds cannot recoup under their commercial property, business...
by Evan Schwartz | Mar 25, 2026 | Case Studies, Insights, News & Events
A dentist practicing in the Southwest developed rheumatoid arthritis, a chronic, systemic autoimmune disease that causes pain, swelling, stiffness and potential deformity in the joints. The disease typically impacts the small joints of the hands and feet first, and...
by Evan Schwartz | Mar 17, 2026 | Business Insurance, Insights
Business interruption coverage, also called business income insurance, is designed to protect a company’s financial stability when unexpected events force a closure or reduction in operations. While many business owners assume this coverage will protect them during...
by Evan Schwartz | Mar 4, 2026 | Case Studies, Insights, News & Events
Michail Hack, Partner Our client was a senior-level executive at a large corporation whose role carried significant responsibility for government contracting. The client, who suffered from a serious mental health condition, reached the point where he was no longer...
by Evan Schwartz | Mar 3, 2026 | Business Insurance, Insights
When your business files an insurance claim, it may be denied for various reasons. But what happens if your insurance company denies your claim for one reason and later gives a different reason for that denial? Is this legally permissible? The short answer is:...
