Insurance transfers and allocates risks from the person taking the policy or "the insured" to the insurance company or "insurer." An insurance policy is a special agreement between the insurer and the insured. To be enforceable, the insurance policy must meet all of the usual requirements of a contract and, in addition, the insured must have an "insurable interest" in the subject matter being insured, such as property, life, and health. Businesses usually carry basic property insurance and commercial liability policies. But they may also carry fidelity insurance, business interruption insurance, and directors and officer's liability insurance. Please read on to find an insurance attorney, insurance lawyer, or to learn more about insurance law.

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Ask a Lawyer - Insurance Law questions answered by leading lawyers Is air conditioning units considered part of a building or personal property? I had 2 large airconditioning units, permantly installed, that were stolen for the copper. They also destroying the air ducts while stealing the units. My insurance company refuses to pay for damagages, citing that theft is excluded. I say that while the units were stolen, they damaged my building. This is commercial property. We live in a moble home park, with an Moble Home Assocation. Do we need Libilaty Insurance to cover Without ins would each person whom lives in the park be sued if a person got hurt during a park function? Or does the park owners liabitity ins cover a Moble home Assocation function where someone got injured? If I Hire an Attorney for an Automotive accident case & I feel that he is not Proactive in my claim I am told that until i see an neuroserguon out of my own pocket, being my general doctors already used up my $15,000 on PIP & Med pay, that he will not even start to file on my Uninsured motorist policy being I was hit from behind by an uninsured motorist. I am disabled with no income and being im a veteran my attorney says goto VA to be seen, and I told him that if they even do see me, it may take three to six months minimum to even see a doctor. I''ve already seen a Neurologist, Pain Specialist and Ortho Chiropractor and all say Im Disabled, but my attorney doesn''t accept Ortho Chiropractor as reliable doctor even tho I have seen him for years and he has a Neuro background also. I feel that my attorney is not taking my claim serious or with heart because I received out of months only one call from him and thats after I wrote an E-mail to him regarding his lack of communication. I have to find out everything from other sources before my attorney. I wish to go to another Law Firm. I WOULD LIKE TO KNOW IF MY EMPLOYER IS REQUIRED TO OFFER ME COBRA INSURANCE WHEN THEY LET ME GO? Does the Affordable Care Act extending parents'' coverage to children age 18 thru 26 make the parent Laboratory Corporation of America insist the policy holder is the responsible party. Local Doctors and health facilities list the adult patient as the responsible party. view more...