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Has your commercial – business insurance claim been denied? Our business insurance bad faith lawyers will tell you not to take “no” for an answer. Commercial or business insurance is a necessity for businesses large and small.

An insurance policy is a contract between your business and the insurance company. That contract creates a special duty for insurance companies that requires them to treat your business (the policyholder) with the highest degree of good faith and fair dealing. Assuming you have submitted a valid claim that is covered by your policy, a business insurance company is acting in bad faith if they:

  • Refuse to defend a policyholder in a lawsuit

  • Deny coverage of your business insurance claim

  • Unreasonably delay payment of your business insurance claim

  • Fail or refuse to pay a valid business insurance claim

  • Fail to investigate a business insurance claim before it is denied

  • Wrongfully refuse to settle a business insurance claim

  • Under pay the full value of a business insurance claim

Call us, or request a free claim evaluation today. We are here to help.

Frequently Asked Questions on Business Insurance

What types of commercial business insurance coverage does bad faith insurance apply?

Wise business owners purchase a variety of commercial insurance policies. It is a good idea to consult with an experienced business insurance lawyer about the type of coverage you may need specifically.


Business insurance is designed to protect you from things like fires, floods and major lawsuits. Catastrophic events like these would put many businesses out of business without the right business insurance coverage. It can be just as devastating to a business if their business insurance company has wrongfully denied their claim. A business insurance bad faith lawyer will tell you that acts of insurance bad faith can occur with any commercial insurance company on any type of policy. Business insurance bad faith may be found in commercial insurance policies like:

  • Comprehensive general liability insurance (CGL Policy)

  • Business interruption insurance

  • Property damage insurance

  • Theft coverage

  • Completed operations insurance

  • Pollution legal liability insurance

  • Directors and officers liability

  • Employment related practices liability insurance

  • Automobile coverage

What should I do when my business insurance company denies a claim?

You have paid for your business insurance coverage, possibly for many years, so you should be able to count on your commercial insurance company to be there when you need them. The reality is that business insurance companies often deny valid claims, refuse to the full value of claims and unreasonably delay payment of claims.


Business owners often try to take on the insurance company alone. They may fight through a complicated appeal process or exchange angry emails and telephone calls with representatives from their insurance company. Meanwhile, your business is out of business or suffering under the weight of the unpaid claim. Hiring an experienced business insurance bad faith lawyer is the first step to getting things back on track. Retaining a business insurance bad faith lawyer as soon as your claim has been denied will help ensure a swift, positive outcome.

Why choose Mehr, Fairbanks & Peterson Trial Lawyers?

No other business insurance bad faith lawyer in the State of Kentucky has taken more insurance bad faith cases to trial than our insurance bad faith lawyers.


Our vast experience in insurance bad faith litigation makes us a wise choice. We do not charge any upfront fees and we have the financial strength to carry the cost of litigation to its conclusion. So, you and your business will not have the additional burden of attorney’s fees and costs to worry about. In fact, if we fail in obtaining monetary compensation for you, you won’t pay us a dime. 

Call us, or request a free claim evaluation today. We are here to help.


If your claim has been denied,
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