Clear Action
for Broken Promises

A denial letter is written to sound final, but it rarely is. A former insurer-side coverage litigator explains how insurers build, value, and deny claims, and how policyholders can approach a claim the same way.

When an insurer sues its own policyholder, it is often trying to avoid paying for a defense. Illinois law explains why insurers file these lawsuits, what they risk by refusing to defend, and how businesses can challenge them.

Moving a home into a trust or rentals into an LLC is sound planning, but the policies don’t move with the deed. When the owner on paper isn’t the insured on the policy, property, liability, and umbrella coverage can all break.