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When you purchase an insurance policy, you are not buying a TV or home appliance. You are entering into a contract with a multi-million or multi-billion dollar company where this company is agreeing to rebuild your home, rebuild your business or defend and indemnify you in the face of potentially catastrophic litigation in exchange for your hard-earned dollar.
This contract, or policy, consists of hundreds of provisions including exclusions to coverage and exceptions to exclusions all drafted by teams of lawyers, risk managers and other consultants paid by the insurance company and drafted with the insurance company’s interests in mind.
Carlson, Mikuzis & Taylor has your interests in mind.