We represented two small businesses against their insurance company after it refused to defend them in court. A woman sued our clients for injuries arising out of carbon monoxide exposure. Our clients' insurance company denied coverage and refused to defend our clients in court. The plaintiff and our clients had agreed to arbitrate her claims. A week before the arbitration, our clients' insurance company settled the case and all claims including the plaintiff's personal injury claims and potential garnishment claims and our clients' potential bad faith and failure to defend claims.