Insurance Policy Review

Understanding your insurance policy thoroughly is critical for preventing costly gaps in coverage and ensuring that you are adequately protected against potential liabilities. At Smiley & Smiley, LLP, our experienced legal team provides comprehensive policy reviews designed to clarify complex terms, exclusions, endorsements, and obligations under your current policies.

We meticulously analyze various insurance policies, including general liability, property insurance, professional liability (errors & omissions), directors and officers (D&O) liability, workers’ compensation, and specialized policies tailored to particular industries or risks. Our detailed review identifies potential vulnerabilities, insufficient coverage limits, ambiguous policy language, and endorsements that could affect your claim coverage.

For example, in the construction industry, we routinely evaluate insurance policies for general contractors, subcontractors, and property owners, ensuring policies adequately cover risks associated with construction accidents, property damage, third-party injuries, and related litigation. We carefully assess additional insured endorsements, contractual liability provisions, and the applicability of exclusions such as those related to ongoing operations or completed operations. By highlighting potential coverage gaps, we help our construction clients proactively adjust their policies to mitigate significant financial exposure.

 Individuals also rely on our careful scrutiny of homeowners’ insurance, umbrella coverage, and other personal liability policies, securing peace of mind that their assets and interests are adequately protected.

By engaging Smiley & Smiley, LLP for your insurance policy review, you gain strategic insights and actionable recommendations to enhance your insurance protection, significantly reducing your exposure to uncovered claims and unforeseen losses.