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​Understanding “Direct Physical Loss” in Commercial Property Policies

​Understanding “Direct Physical Loss” in Commercial Property Policies

by Evan Schwartz | Oct 20, 2026 | Business Insurance, Insights

When businesses suffer a major property loss, one of the most important questions is whether the damage qualifies as a “direct physical loss” under their commercial property insurance policy. Although the phrase sounds straightforward, it has led to substantial...
Schwartz, Conroy & Hack’s Exhaustive Review of 2,600-Page File Exposes Insurer’s Arbitrary Denial to Secure Major Victory for Long-Term Disability Claimant

Schwartz, Conroy & Hack’s Exhaustive Review of 2,600-Page File Exposes Insurer’s Arbitrary Denial to Secure Major Victory for Long-Term Disability Claimant

by Evan Schwartz | Oct 7, 2026 | News & Events

​Partner Michail Hack A public-sector financial services employee was covered by a long-term disability insurance plan through her employer. In 2021, the employee was rear-ended in a motor vehicle crash, which caused significant cervical and lumbar spine injuries and...
​Vandalism and Theft Claims: Proving Your Loss

​Vandalism and Theft Claims: Proving Your Loss

by Evan Schwartz | Sep 15, 2026 | Individual Insurance, Insights

When a business is burglarized or vandalized, it can cause significant financial and emotional impact, as well as operational disruption. Filing an insurance claim is an important first step toward putting the incident behind you and getting back to business as usual....
Two Policies, Three Disability Periods, One Successful Outcome: Schwartz, Conroy & Hack Secures Benefits for Dentist in Complex Claim

Two Policies, Three Disability Periods, One Successful Outcome: Schwartz, Conroy & Hack Secures Benefits for Dentist in Complex Claim

by Evan Schwartz | Sep 8, 2026 | News & Events

​Of Counsel Scott Harrigan When a general dentist developed a serious, persistent nerve condition affecting the right lower leg and foot, continuing to practice became increasingly difficult. The occupation requires prolonged sitting and standing in fixed positions,...
​Storm and Hurricane Business Insurance Claims: What Insurers Often Dispute

​Storm and Hurricane Business Insurance Claims: What Insurers Often Dispute

by Evan Schwartz | Sep 8, 2026 | Business Insurance, Insights

The peak of the Atlantic hurricane season – September 10th – is fast approaching. When a hurricane or storm physically damages a business, companies rely on insurance payments to make necessary repairs and fully recover. However, in the wake of a major storm,...
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Recent Posts

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  • Ask the Lawyers Episode 8: AI Privilege, Remote Work, and Why Finders Keepers Isn’t the Law
  • ​An LTC Policyholder Needed Care, But the Insurer Didn’t Care About Her. Now a Jury Will Decide What It Will Cost the Insurer

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