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Yes you should.
First, you've been told you may not be covered.
Second, unless you have coverage which is that high you need your own lawyer in any event.
You don't need to be terrified as bringing in your own lawyer will make the insurance company think twice about considering denying you coverage.
And the $6 million is going to be nonsense I am sure.But you do need the insurance to cover you so see a lawyer as soon as you can and you need to do so quickly as someone has to put in a statement of defence.
I am sorry this happened to you.
What province are you in and is the business incorporated?Whose name(s) is/are on title to the house?
You missed telling me whether the business was incorporated or not.
You are very welcome.
The corporation is a separate legal entity. This means that neither it nor its assets would be at risk.
Your house would be at risk.
If you don't have much by way of assets and don't have much equity in the house then it may be possible that you could declare bankruptcy and not lose the house. If there is not much equity then the Trustee in Bankruptcy would not want the house.
I suggest that you try and not worry so much right now, though as I am a terrible worrier I know that this is something you likely cannot help.
You should see a lawyer of course as we discussed.
But first, the insurance company will likely cover you, and second, you may not lose the case if they don't and even if you do it won't likely be by anywhere what they are asking for. And then if you do lose you can likely declare bankruptcy and just start over.
Bankruptcy would wipe out all the debts.
I hope it works out.