For Illinois businesses, general liability insurance is the cornerstone of protection against everyday risks. Whether you run a small shop in Springfield, manage a construction company in Rockford, or operate a large corporation in Chicago, liability claims can arise at any time. From slip-and-fall accidents to allegations of property damage, these claims threaten not only your bottom line but also your reputation. Unfortunately, insurers frequently deny or undervalue claims, leaving businesses to cover costs they thought were insured. At Vargas Gonzalez Delombard, our Illinois general liability lawyers represent policyholders in disputes with insurance companies, making sure coverage works the way it should.
Common General Liability Disputes in Illinois
Even with policies in place, Illinois businesses frequently face challenges when they try to use their general liability coverage. Common disputes include:
- Denied claims: Carriers argue that exclusions apply, such as contractor operations or professional services.
- Coverage limits: Insurers attempt to cap payouts at lower-than-expected levels.
- Reservation of rights: Carriers agree to defend a business in a lawsuit, but reserve the right to deny payment later.
- Delayed response: Investigations and payments drag on for months, leaving businesses in limbo.
- Additional insured issues: Contractors and subcontractors often dispute who is covered under the policy.
These disputes create uncertainty for Illinois business owners at precisely the time they need support.
