Insurance Law

Cyber liability claims are becoming more common as businesses rely on computers and online systems to store information and run daily operations. In Ohio, these claims often raise questions about coverage, notice, and policy wording, especially when losses involve...

When an insurance company agrees to defend a policyholder, it might send a document called a reservation of rights letter. This letter can sound confusing, but it carries serious implications for your case. Understanding what it means helps you avoid surprises later...

Understanding the deadlines for filing insurance claims in Ohio can protect your right to recover compensation. The state sets specific time limits that you must follow to keep your claim valid and avoid losing your benefits. What is a statute of limitations? A...

When an insurance company evaluates a liability claim, it must determine the extent of damages before deciding on a payout. This process involves analyzing various factors, including the type of damages, evidence, and applicable state laws. In Ohio, specific statutes...

Climate change and stronger natural disasters create big challenges for the insurance world. These issues make insurance claims harder to manage and solve. More claims and bigger losses Hurricanes, wildfires, and floods are happening more often and causing more...

Fraudulent property damage claims can cost insurers a large amount of money and result in higher insurance premiums. To protect themselves and their clients, insurers must take steps to identify and defend against false claims.  Thorough claim investigation A thorough...

In the context of insurance law in Ohio, negligence can be a complex issue. When facing a negligence claim, understanding the defenses available can be crucial for insurers and policyholders alike. Contributory negligence One common defense against negligence is...

Environmental liability insurance is crucial for companies that impact the local environment. If a business causes ecological damage, it helps lower financial consequences. These damages include things like pollution or habitat disruption. Knowing the breadth of...

Running a business involves inherent risks. But for those who are just starting out, their focus often shifts toward immediate priorities. However, the smooth operation of a business is not all about product development or securing customers. It is also about...

Insurance fraud is a billion-dollar industry in this nation, so insurance companies have reason to be wary of many of the claims that they receive. Industry experts say that there are two main types of fraud they see among consumers — hard and soft. Here’s what that...