
Lessons Learned: Outsmarting the Insurer’s “Delay and Deny” Playbook
We often hear from frustrated businesses when they are pursuing insurance claims that are seemingly stuck in limbo or when a claim has been denied that they were sure was within the insurance coverage they purchased. We tell them that they are not alone in their experiences—that the insurer’s business model of “delay and deny” is designed to cause policyholders to abandon claims. Insurers recognize that many businesses do not have personnel devoted exclusively to handling insurance coverage issues when they arise. Further, most businesses never understood the







