You are a small business person. You're a good small business person, so you got insurance. Now you're being sued. Maybe someone fell at your store, or claims you did something wrong. It's ok - you're covered, aren't you?
Maybe, maybe not. Insurance policies don't always cover what you think they should. Tender the claim to your carrier, of course, but be prepared for the dread denial or reservation of rights letter.
And what do if you get such a letter. Well, contact an attorney, of course. My firm can handles both declarative action (trying to force an insurance company to pay) and defend personal injury, and other claims under a reservation of rights.
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