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Commercial Insurance Disputes

If you own a business, you are likely wise enough to invest in an insurance policy to cover you in case one of your customers, visitors or business partners has a dispute with you or accident on your property and sues you, in case one of your employees makes a mistake and injures someone, or in case a natural disaster, structural deficiency or criminal act damages your property. Regrettably, sometimes when you need your insurance company the most, they attempt to avoid responsibility to get out of what they owe.

Houston Commercial Insurance Lawyer

Your insurance company is looking out for their own business. At Wilhite & Associates, P.C., our Houston commercial insurance lawyers will look out for yours. We'll fight for you and seek to make sure your insurance company pays what they owe. We'll seek the highest settlement we can get and take them to court, if necessary. You pay to have an insurance policy to cover you in case of an incident out of your control. But when the insurance company isn't there for you, we will be. Call Wilhite & Associates, P.C., at (281) 537-2171 for a free consultation to discuss your commercial insurance dispute.

We represent businesses and business owners in and around Houston, including in Harris, Fort Bend, Montgomery, Waller, Grimes and Washington Counties.


What Commercial Insurance Should Cover in Texas

Commercial insurance policies vary in Texas, and cover different incidents and expenses that businesses face due to unforeseen circumstances. Unfortunately, one of the issues frequently seen in insurance disputes is the difference between what an insurance company represented the policy covered before the incident and what the insurance company says the policy covers after the incident.

Many commercial insurance policies cover lawsuits for negligence on behalf of the business or its employees. If, for instance, a customer comes onto the premises and slips and falls, or an employee, while making deliveries, runs a red light and hits another driver, the insurance company is supposed to pay for the lawyers and pay for any settlement or judgment, which can run into millions of dollars.

Commercial insurance policies also often cover damage to the company's buildings, equipment, inventory and other tangible property in the event of a natural disaster or criminal act damages or destroys it. If, for example, a flood from a hurricane or one of Houston's devastating rainstorms destroys the company's inventory, it could leave the company with no goods to sell for weeks or months. If a burglar steals expensive electronics and computer systems, the company may not function until it is replaced.


Disputes with Harris County Insurance Companies

Sometimes, however, the insurance company may deny the claim. They may claim, for instance, that their investigation indicates gross negligence on the part of an employee, which their policy doesn't cover. They could say that your policy doesn't cover the particular natural disaster you are filing a claim to recover from. Often, the arguments an insurance company puts forward defy logic, but insurance policies are often intentionally written to favor the insurer, rather than the insured.

The insurance company may also attempt to offer an amount that doesn't cover your damages — sometimes not even coming close. This is often because their insurance adjusters undervalue your property, or their contractors, who work for them, give an estimate based on cheap, low-quality work.

Your Houston insurance lawyer can argue why your insurance company should be covering your legal bills and your damages. An attorney can get independent estimates of your damages and the cost to rebuild, and negotiate with your insurance company to get a proper settlement. Often, insurance companies do not want to litigate and will back down once they know they're dealing with an attorney. If not, we can take them to court.


Wilhite & Associates, P.C. | Harris County Attorney for Businesses' Insurance

If you are a Houston-area business owner and your insurance company refuses to do what they are supposed to do, our Houston commercial insurance lawyers can help you . Call Wilhite & Associates, P.C., at (281) 537-2171 for a free consultation.

Wilhite & Associates, P.C. represents clients from all over Southeast Texas, including:

Harris County - Aldine, Atascocita, Barrett, Barker, Baytown, Bellaire, Brownwood, Bunker Hill Village, Channelview, Clear Lake, Cloverleaf, Crosby, Cypress, Deer Park, East Houston, El Lago, Galena Park, Hedwig Village, Highlands, Hilshire Village, Houston, Hudson, Humble, Hunters Creek Village, Jacinto City, Jersey Village, Katy, Kingwood, Klein, La Porte, Louetta, Lynchburg, Nassau Bay, North Houston, Pasadena, Piney Point Village, Seabrook, Sheldon, Shoreacres, South Houston, Southside Place, Spring, Spring Valley, Taylor Lake Village, Tomball, Webster, West University Place

Montgomery County - Conroe, Cut and Shoot, Magnolia, Montgomery, Oak Ridge North, Panorama Village, Patton Village, Roman Forest, Shenandoah, Splendora, Stagecoach, Willis, Woodbranch, Woodloch, The Woodlands

Fort Bend County - Arcola, Beasley, Fairchilds, Fulshear, Kendleton, Meadows Place, Missouri City, Needville, Orchard, Pleak, Richmond, Rosenberg, Simonton, Stafford, Sugar Land, Thompsons

Waller County - Brookshire, Hempstead, Pattison, Pine Island, Prairie View, Waller

Grimes County - Anderson, Bedias, Iola, Navasota, Todd Mission

Washington County - Brenham, Burton, Chappell Hill

The hiring of a personal injury attorney or other civil law attorney is an important decision that should not be based solely upon advertisements. Before you decide which Houston attorney to hire for your case, ask us to send you free written information about our legal experience and qualifications.

This site is sponsored by George W. Wilhite, P.C. Our principal office is located in Harris County, Texas at 17101 Kuykendahl Rd., Houston, TX 77068.

The information provided on this website is for general information purposes only. The information you obtain at this website is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your own particular situation. The content of this site, including but not limited to written text, images, videos, and informational articles, has not been prepared, endorsed, or reviewed by any form of licensed medical professional, doctor, or physician. The information you obtain at this site is not, nor is it intended to be, medical advice. All visitors are encouraged to consult with a physician or other licensed medical professional for any form of medical advice.

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