Insurance enables people and companies to reduce the risk of suffering a catastrophic financial loss. Insurance attorneys offer a variety of services to both individuals and small businesses. For example, paying a small health insurance premium protects you in the event you are in an accident or diagnosed with a health condition that requires expensive treatment. Individual consumers may commonly purchase health insurance, automobile insurance, homeowner's insurance and/or renter's insurance. Businesses need a variety of policies to protect both their property and the company in the event of a lawsuit. Your insurance lawyer can review your existing policies and advise you on additional policies or coverage that may be necessary to protect you or your company from potential risks. Insurance law firms can also help you challenge insurance claims that have been denied in "bad faith," or in violation of the terms and conditions of the policy. And insurance lawyers can represent you if you are sued for something that is covered by an existing insurance policy.