Insurance Advisory

Better Coverage Comes from knowing your options

Your business needs protection from the unthinkable. Whether you’re named in a lawsuit, subject of a cyber-attack or your business is shut down due to the COVID-19 pandemic, you rely on your insurance policy to protect your business and your livelihood.


As a business owner and decision maker, you often don’t have time to closely examine your ongoing and ever-changing insurance coverages. Unfortunately, many businesses learn their coverage was inadequate only after coverage was denied for an incident. Don’t let this happen to you!

HMB attorneys have extensive experience representing business owners on numerous aspects of insurance coverage for their businesses. Our goal is to meet you where you’re at and help you to assess and in some cases, select the right type of insurance, determine the appropriate amount of insurance and fully understand your coverages.

Our insurance advisory group is actively monitoring how insurance companies and courts are responding to the challenges of the COVID-19 pandemic and can help advise you on key aspects of your policy.


  • Evaluation of Policyholder Rights
  • Commercial Insurance
  • Casualty & Property Insurance
  • Cyber Risk
  • Fidelity Bonds
  • Bankers Blanket Bonds
  • Insurance Premium Finance (Borrower and Lender Side)
Business Owners with COVID-19/Government Shutdown Orders File Business Insurance Claims: A New Wave or Just a Ripple?November 10, 2020

HMB’s Insurance Advisory Practice is continuing to monitor developments on hundreds of cases filed nationwide by business owners against insurers over denials of business interruption COVID-19 and government shutdown order related claims. HMB is tracking how courts are deciding these novel claims and reporting on these observations. This update contains some highlights of recent favorable decisions of potential significance for…

Insurance Claims & Related Issues Due to COVID-19 - What Every Business Should KnowMay 12, 2020

May 12, 2020 As COVID-19 presses state and local governments to continue their shutdown orders, some businesses are incurring extensive expenses and losses. Whether the business is open with limited capacity, allowing employees to work from home, or closed until the orders are lifted,  businesses are asking if and how insurance can provide relief. This article provides information on the…

Work From Home Insurance AlertApril 30, 2020

Many current businesses own cyber insurance policies that actually may not cover incidents or claims that are the result of an employee using his/her own personal device(s) for Work From Home (“WFH”) purposes for their employer. This is an easy mistake for employees as WFH is the current norm. As with all insurance contracts, whether there is coverage or not…

500 West Madison Suite 3700
Chicago IL 60661

Phone: 312-606-3200 Fax: 312-606-3232
© HMB Legal Counsel 2024. All Rights Reserved.