Was Your General Liability Claim Denied? Our General Liability Dispute Attorneys Will Hold Your Insurer to Their Promise.

Understanding Your Business Owner’s Policy (BOP) and CGL Coverage

Almost all businesses purchase a business owner’s policy, which contains general liability protections from third-party claims and various types of property damage coverage. These policies are sometimes called BOPs (Business Owner Policies) or CGL (Commercial General Liability)

Typical protections under a BOP or CGL policy include:

• Third-party bodily injury claims
• Property damage caused by employees or business operations
• Defense costs and legal expenses
• Settlement or judgment payments
• Personal and advertising injury coverage

Additional Coverages Under CGL Insurance

Besides the coverage for personal injuries and property damage caused by the employees or operators of your business, for which this insurance provides coverage, CGL policies also provide other types of coverage. CGL insurance often includes coverage for:

• Defamation
• False arrest
• Copyright infringement
• Malicious prosecution
• Unfair competition
• And invasion of privacy, among others.

What to Do When Your CGL Insurance Company Denies or Limits Coverage

When your CGL insurance company disputes, denies, or limits the coverage you believe has been afforded to you under the policy, Schwartz, Conroy & Hack can help. For 30 years, the general liability insurance claims & litigation attorneys at Schwartz, Conroy & Hack have been protecting the rights of business owners when their CGL insurance companies don’t keep the promises they made to them.

Common reasons insurers dispute or deny business coverage include:

• Allegations that your claim is excluded by policy language
• Disputes over whether the loss occurred “during coverage period”
• Claims of late notice or incomplete documentation
• Disagreements about whether the loss was “intentional”
• Insurer bad faith or unfair claims handling

How We Help Businesses in CGL Coverage Disputes

Schwartz, Conroy & Hack frequently represents businesses by both defending the claim for which the insurance company is disputing coverage, while simultaneously forcing the insurance company to accept the responsibility they promised your business under the policy. But whether or not Schwartz, Conroy & Hack handles the defense of the claim for which the insurance policy should afford coverage, Schwartz, Conroy & Hack is always there to help your business make sure that your insurance company keeps its promises made to you.

Frequently Asked Questions About CGL Insurance Disputes

What should I do if my general liability claim is denied?

Start by reviewing your denial letter and policy language. Contact an attorney experienced in CGL coverage disputes before responding to the insurer.

How long does it take to resolve a coverage dispute?

Timelines vary depending on whether negotiation, arbitration, or litigation is required — but early legal intervention often speeds up resolution.

Can I recover attorney’s fees in a coverage lawsuit?

In some cases, yes, especially when the insurer has acted in bad faith or violated state insurance laws.