Mr. Hultz represented a family-owned product manufacturer whose factory was destroyed in a major chemical fire. The client faced certain bankruptcy when the Commercial General Liability and Pollution Legal Liability insurer denied coverage.   Without the insurance coverage, the company could not have rebuilt its facilities, much less defend the myriad claims and lawsuits from neighboring businesses and property owners.  However, through extensive negotiations and creative coverage solutions, Mr. Hultz convinced the insurance carrier to provide coverage. He also negotiated a substantial recovery from the involved insurance broker. Without ever stepping foot into court, Mr. Hultz quickly obtained millions of dollars in recoveries which allowed his client to rebuild its business and quickly restart operations.