Rest easy, there are quite a few legal rules that are on your side in regards to deciphering a business insurance policy. If a dispute arises over what should be covered in accordance with your policy and you go to court, the coverage provisions will be construed largely in your favor. Also in your favor will be the limitations and exclusions, which will be interpreted narrowly; and any ambiguities in the policy (because it was written by the insurance company), as they will also be interpreted and against the company. Most times, the goal of a court will be to honor your reasonable expectations in the name of an insurance claim dispute.
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