Commercial General Liability Policy Cases

Pepper Law, PLC, a law firm of experienced trial lawyers located in Nashville, Tennessee, provides representation to clients throughout Tennessee in cases involving commercial liability policies, also known as commercial general liability policies or “CGLs.” Commercial liability policies are standard policies carried by thousands of businesses in Nashville and across Tennessee. The Nashville insurance policy lawyers at Pepper Law, PLC will provide you with an initial consultation about your insurance policy case at no charge.

Commercial liability policies typically provide a business owner or operator with protection for bodily injury and property damage claims which occur on the owner’s premises; as the result of the owner’s business operations; and for claims resulting from injuries and property damages arising away from the owner’s premises, but by the owner’s products or completed works. Claims for advertising injuries are typically also covered by commercial general liability policies. The coverage provided by commercial liability policies varies by company, so, to ensure what your commercial policy will or will not cover, you should review, or have a lawyer review, your CGL policy.

An insurance company which has issued a commercial general liability policy has two duties: (1) To provide a legal defense to its policyholder when its policyholder is sued; and (2) to pay any judgment rendered against the policyholder for a covered claim. Sometimes, insurance companies will defend a policyholder under a “reservation of rights.” When an insurance company defends a policyholder under a reservation of rights, it provides its policyholder with a lawyer and pays the lawyer’s fees, but reserves its rights not to pay any judgment rendered against the policyholder.

Sometimes, an insurance company will a file declaratory judgment lawsuit against a policyholder in order to have a court decide whether or not the insurance policy provides coverage or not. The outcomes of declaratory judgment actions often turn on courts’ interpretations of specific policy terms. Nashville insurance policy attorneys at Pepper Law, PLC handle declaratory judgment cases in Nashville and throughout Tennessee.

It is not uncommon that businesses and individuals will rely on an insurance agent for advice and assistance in obtaining needed coverage only to discover, after a claim is made, that the necessary coverage was not obtained. In such cases, Tennessee law may provide an effective remedy for a policyholder. If you believe that your insurance agent did not provide you with necessary or adequate coverage, we will be glad to consult with you and advise you as to your legal remedies. The insurance policy lawyers at Pepper Law, PLC handle cases involving the liability of insurance agents in Nashville and all parts of Tennessee.