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Sounds like a very fact specific question.
Generally, plaintiff counsel gives notice to the corporation or business. The business will notify their own insurance company of the claim or they risk losing coverage for payment for it’s legal defense and the for the loss or claim itself. It’s routine that they will notify their insurance company of a claim.
In Florida, you can send a request to a business for its pertinent insurance information by statute. And you could ask then the business’s insurance company to open a claim. However, your potential lawsuit would still be against the business (not their insurance company).
Pro
You sue and put the business on notice. It is generally impossible to find a singular insurance company of a specific business.
You have it served on the principal place of business or through the Secretary of State. Do a Division of Corp search and find out who accepts service on behalf of the corporation. The corporation will then forward to their insurance broker or company.
LA1 default judgement was obtained. Insurer denied arguing late notice and also saying some policy exclusions would have barred the coverage anyway.
Now legal
Malpractice action is pending arguing the attorney had the duty to find and notify the insurer and avoid default judgement!!!!
Which jurisdiction? Mine is a lot different than what’s described above.