Important Notice: Safety has always been a priority at Lytal, Reiter, Smith, Ivey & Fronrath. To ensure that you have complete access to our firm without leaving the safety of your home, you can call, use the chat service online, Facetime, or use other video conferencing such as ZOOM in order to communicate with an attorney. Our goal is to ensure you have access to justice in your time of need and at the same time protect the public and staff from any unneeded exposure.
Jelly MDHV

Following a catastrophic event, the one thing that might provide a bit of comfort is knowing that you will eventually be able to recover. Many business owners establish this peace of mind by purchasing a commercial insurance policy. However, their next stop is sometimes a business interruption lawyer.  

Policyholders expect that their insurance company will be on their side. For example, business owners should reasonably expect that first party insurance policies will protect their business and keep them afloat following unexpected disruptions. 

However, insurance companies can be incredibly difficult to work with, and they often do everything in their power to reduce payout amounts for policyholders. This is where a first party insurance claim lawyer can step in and help. 

If you need legal representation due to a first-party insurance claim dispute, contact our Florida insurance lawyers today at (561) 655-1990.

Discover your legal options today.

1STEP 01
2STEP 02
  • Don't pay for someone else's negligence. Let us help.


Get a free consultation with a Business Interruption Attorney by calling

561-655-1990

or sending our team a message now you don’t pay until we win.

Our Recent Settlements

 

$35,000,000

A Broward County jury awarded Denise and David Brown $35 million in a case against North Broward Hospital District, doing business at Broward General Hospital.

$11,250,000

A catastrophic injury case resolved in less than 10 months for more than the insurance company’s policy limits.

$11,000,000

A product liability and wrongful death case involving a defect in a tire causing a catastrophic car accident.

How does first party insurance work?


First party insurance protects against losses or damages to the insured individual named on the policy (referred to as the first party). The protection comes in the form of financial payments from the policyholder’s insurance company (known as the third party). The first party policyholder could be an individual, a person’s family, occupants of a specific vehicle, or a company.

When the first person policyholder files a claim, they file it directly against their own insurance company. What the first party is entitled to recover is outlined in the terms of the policy they and the insurance company agreed upon. 

First party insurance policies are contracts between the insured and their insurance company. As with any contract, each party carries their own responsibilities and obligations to the other. For example, let’s take a business owner who holds a first party insurance policy for their business.


Most people will hold some sort of first party insurance policy in their lifetime. Common examples of first party insurance include:

  • Personal injury protection (PIP) coverage 
  • Homeowner insurance 
  • Auto insurance
  • Business insurance 
  • Health insurance 
  • Uninsured motorist coverage 
  • Renter’s insurance 
  • Life insurance
  • Disability insurance 
  • Medical coverage under an auto insurance policy

After a disaster, policyholders expect their insurance companies to have their back.

In theory, the business owner can reasonably expect that when a covered peril, such as a fire or natural disaster, disrupts their operations and negatively affects their revenue and profits, their business interruption insurance should cover their losses as they recover.

However, in this case, this business owner might realize that their insurance company is not on their side. In reality, insurance companies are just like any other for-profit business with the goal of maximizing profits and increasing their bottom line.

This business owner, having faithfully paid their insurance premium month after month, should be able to expect that their insurance company has their back. What they instead might face is a reduced payout, delayed payments, or even an outright denial of their claim.

However, the business owner in this example is not without options. They could contact an experienced business interruption lawyer to work on their behalf to ensure the insurance company holds up their end of the bargain.

Insurance Companies Don’t Always Act in Good Faith

Facing a claim denial, reduced payment, or delayed payment? Our firm can help. Policyholders expect that their insurance company will be there for them after an injury or disaster. After all, it’s part of the contract they agreed to in the first place. Although a person 

could have taken all of the right steps, their insurance company may prove extremely reluctant to hold up their end of the contract. 

When an insurance company fails to uphold its obligations to the first party policyholder, they’re in breach of contract. Unfortunately, it’s not uncommon for a person or business to find themselves at odds with their insurance company. 

When a disagreement arises over whether the third party insurance company complies with the contract, the first party has a legal right to file a first party insurance dispute. With the help of an experienced first party insurance claim lawyer, such as a business interruption lawyer, the claimant can seek the coverage they’re owed. 

What unlawful insurance practices do insurance companies engage in?

It’s important to note that the exact definition of bad faith insurance varies by state. Under Florida Statute 624.155, any person can file a civil action against an insurer when the first party is damaged in the following ways:

  1. When an insurer does not attempt to settle claims in good faith when, under all the circumstances, it could and should have done so, had it acted fairly and honestly toward its insured and with due regard for her or his interests;
  2. When an insurance company makes claims payments to insureds or beneficiaries not accompanied by a statement setting forth the coverage under which payments are being made; or
  3. Except for cases of liability coverage, the insurer fails to promptly settle claims, when the obligation to settle a claim has become reasonably clear.

If your claim has been denied or you are engaged in a first party dispute with your insurance company, or you believe that your insurance company is acting in bad faith, call our firm. 

Some common bad faith practices our firm sees insurance companies engage in to reduce or deny insurance payments include:

  • Intentionally misrepresenting policy provisions by using unreasonable policy language translations
  • Underpaying reasonable insurance claims
  • Flat out denial of valid insurance claims 
  • Failure to acknowledge insurance claims promptly
  • Failure to thoroughly investigate a claim in an adequate manner
  • Failure to provide a reasonable explanation of claim denial or delay

Our experienced bad faith insurance lawyers can review your case at zero cost to you. We’ll make sure that your rights are protected and that your insurance company is held accountable for its duties to you according to your policy. 

We will help you every step of the way!