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​What Does “Direct Physical Loss” in Insurance Policies Really Mean?

​What Does “Direct Physical Loss” in Insurance Policies Really Mean?

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...
Schwartz, Conroy & Hack Secures Nearly $1M from Disability Insurer for Dentist with Rheumatoid Arthritis

Schwartz, Conroy & Hack Secures Nearly $1M from Disability Insurer for Dentist with Rheumatoid Arthritis

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...
​Understanding Business Interruption Coverage: What’s Actually Covered?

​Understanding Business Interruption Coverage: What’s Actually Covered?

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...
Schwartz Conroy & Hack Forces Long-Term Disability Insurer to Continue Paying Benefits in Mental Health Claim

Schwartz Conroy & Hack Forces Long-Term Disability Insurer to Continue Paying Benefits in Mental Health Claim

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...
​Can Your Business Insurance Company Change Its Reason for Denial?

​Can Your Business Insurance Company Change Its Reason for Denial?

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:...
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Recent Posts

  • ​What Does “Direct Physical Loss” in Insurance Policies Really Mean?
  • Schwartz, Conroy & Hack Secures Nearly $1M from Disability Insurer for Dentist with Rheumatoid Arthritis
  • ​Understanding Business Interruption Coverage: What’s Actually Covered?
  • Schwartz Conroy & Hack Forces Long-Term Disability Insurer to Continue Paying Benefits in Mental Health Claim
  • ​Can Your Business Insurance Company Change Its Reason for Denial?

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  1. $300 Million—Plus Ruling Favors NJ Transit Against Insurer—Words Matter! | Evan Schwartz on $300 Million—Plus Ruling Favors NJ Transit Against Insurer—Words Matter!
  2. $300 Million—Plus Ruling Favors NJ Transit Against Insurer—Words Matter! | Evan Schwartz on $300 Million—Plus Ruling Favors NJ Transit Against Insurer—Words Matter!
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  4. Pursuing A Bad Faith Claim Against Your Insurance Company | Evan Schwartz on Pursuing a Bad Faith Claim Against Your Insurance Company
  5. Do You Think You Have a Bad Faith Insurance Claim? | Evan Schwartz on Do You Think You Have a Bad Faith Insurance Claim?

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