A previous post on this blog talked how our law office helps sporting and outdoor businesses in the Dillon area, as well as in other parts of the Northern Rockies, protect themselves from lawsuits and other claims by those who get hurt while engaging in outdoor activities.
Despite a business's best efforts, accidents are going to happen from time to time. Moreover, as a result of these accidents, a person will occasionally try to hold the business financially responsible. In short, a business can do everything in its power to have a safe operation and still get sued.
When this happens, they need to be able to rely on their insurance companies to step in and pay the claim against them. Otherwise, the business itself could be out even millions of dollars just because of one bad accident, and this could be the death knell for a small, family-owned sports and recreation business in Colorado.
Most of the time, insurers will pay what they legitimately owe. However, many will not hesitate to avoid paying a claim if they feel they have no obligation to do so, and sometimes zeal to get out of paying can lead to aggressive and unfair denials of coverage. At other times, whether intentionally or just because they are busy, there are inordinate delays in processing a claim. In either event, delay is often the equivalent of a denial.
When an insurance company is not there for a business when it should be, the business may have options for pursuing a number of legal claims against the insurance company. To do so effectively, however, the business owner may wish to consult with an attorney experienced in sports and recreation law.