David L. Herbert is primarily a business/transactional lawyer who also engages in... more
David L. Herbert is primarily a business/transactional lawyer who also engages in litigation and other practice areas. He is uniquely involved in the sports, sports medicine and health and fitness fields and has helped develop industry standards and risk management plans and solutions for these industries. He consults frequently in these areas and has made presentations and provided information... view profile
Insurance law covers the policies insurance companies offer and the rates they charge. Personal insurance standards include auto insurance, health insurance, homeowners insurance, life insurance, and disability insurance. Business insurance standards usually include commercial liability insurance, errors and omissions insurance, malpractice insurance, and business interruption insurance. Each of these policies covers losses from different types of risk, and both the losses and the risks are carefully defined. It can take an insurance lawyer just to determine if your loss resulted from a risk you were insured for. Sometimes insurance companies deny claims, acting in what is legally called “bad faith.” Insurance lawyers can determine if your insurer is treating you fairly and sue for you if the company is acting in bad faith.