While most of the claims we receive are covered, there are unfortunate instances where the policy purchased does not cover the type of loss or claim submitted to us. We know how devastating this can be for a business and, frankly, we dislike denying claims. But, you have our word that every coverage decision we reach is guided by our values of respect and integrity; and we will always give each claim a full and fair review.   If you think we got it wrong – please let us know. We always invite you to provide additional information that you believe would allow us to conclude that your claim is covered. And we are always willing to re-examine our decisions on coverage if new information becomes available.