General Liability
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November 08, 2024
1st Circ. Agrees No Coverage For Contractor In Defect Row
A First Circuit panel affirmed an insurer's win Friday, concluding that the carrier and excess insurers owed no coverage to a general contractor embroiled in underlying litigation regarding damage caused by a subcontractor's allegedly faulty work on a New Jersey project.
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November 08, 2024
Dance School's $30M Abuse Deal Not Covered, Insurer Says
The insurer for a New Jersey ballet school told a federal court it didn't owe coverage for a $30 million consent judgment reached in a consolidated underlying action brought by former students of the school, citing abuse and molestation exclusions in commercial general liability and umbrella policies.
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November 07, 2024
Trump Election Complicates Growing Insurance Climate Crisis
Donald Trump's election to a second term as president is a huge setback for global efforts to curb climate change, and his disregard for the environment will likely complicate efforts to better understand climate risks facing insurers and consumers, experts say.
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November 07, 2024
State Farm Owes No Coverage For Exec In Fatal Crash Suit
A repair company's president who was involved in a fatal accident while driving a truck he personally owned but also used on the job can't be covered under its commercial auto policies, an Alaska federal court ruled, noting it's undisputed he was on a personal errand at the time.
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November 07, 2024
Insurance Litigation Week In Review
Insurers sought to limit coverage for Alexion Pharmaceuticals Inc. in underlying securities claims, a proposed class of Washington Airbnb users accused the company's insurers of including undisclosed fees in their travel insurance and two Hartford units said Meta isn't owed coverage for numerous public nuisance lawsuits. Here, Law360 takes a look at the past week's top insurance news.
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November 07, 2024
Insurance Industry Biodiversity Push Comes Down To Funds
The insurance industry could lend crucial support in preventing biodiversity loss through novel risk-sharing instruments, but its effectiveness will depend on the ability to finance coverage costs, and understand the risks to biodiversity in a variety of ecosystems.
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November 07, 2024
Property Co. Sues Insurer Over Late Coverage Rights Letter
A company providing management services to homeowners associations accused its insurer in North Carolina federal court of acting in bad faith after it said the insurer only sent it a reservation of rights letter a year into its defense of a fire damage lawsuit.
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November 06, 2024
Insurer Must Fully Cover $1.17M Crash Award, Fla. Panel Says
A Florida state appeals court upheld a directed verdict finding an auto insurer acted in bad faith while attempting to settle a woman's injury claims over a drunken driving crash, affirming Wednesday that the company must fully cover her $1.17 million compensatory damages award, less a prior $25,000 payment.
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November 06, 2024
Telecom Co. Seeks Toss Of Insurer's Marshall Fire Suit
A Lumen Technologies subsidiary urged a Colorado federal court to toss a Liberty Mutual unit's suit seeking to avoid coverage for underlying actions over the 2021 Marshall Fire, saying the insurer lacks standing because it has not suffered any injury.
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November 05, 2024
An Early Look At Trump's Supreme Court Shortlist
With former President Donald Trump projected to win the 2024 presidential election and the Republicans' success in securing the U.S. Senate majority, Trump may now get the chance to appoint two more justices to the U.S. Supreme Court, cementing the court's conservative tilt for decades to come.
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November 05, 2024
GOP's Senate Win Hands Future Of The Judiciary To Trump
Republicans were projected to take back the White House and Senate and possibly the House early Wednesday, putting the GOP in position to back Donald Trump's agenda and his slate of young, conservative judicial nominees.
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November 05, 2024
Del., NC Insurance Commissioners Hold Their Seats
Incumbent insurance commissioners successfully defended their positions on Election Day, with Mike Causey winning in North Carolina, Trinidad Navarro securing his position in Delaware and Jon Godfread running unopposed in North Dakota. Washington voters elected a new commissioner for the first time in 24 years, with state Sen. Patty Kuderer assuming the position.
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November 05, 2024
9th Circ. Says State Farm Needn't Cover Sex Assault Claims
A State Farm unit doesn't owe coverage to a man accused of sexual assault, the Ninth Circuit held Tuesday, affirming that the man engaged in deliberate and intentional conduct and thus there was no occurrence, or accident, for the purpose of triggering coverage.
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November 05, 2024
Insurer Drops Ice Rink Suit Against Maintenance Co.
An insurer and an ice rink maintenance company have stipulated to the dismissal of the insurer's suit alleging that the maintenance company negligently installed a heat exchanger for an Ann Arbor, Michigan, ice rink.
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November 05, 2024
Management Co. Says Insurer Can't Duck HOA Fire Coverage
A property management company has taken an Auto-Owners Insurance unit to North Carolina federal court for allegedly trying to pull back defense and indemnity coverage it had already been providing in an underlying lawsuit brought by a homeowners' association over a 2021 fire, arguing that it's too late for the insurer to back out.
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November 05, 2024
Meta Owed No Coverage For Social Media MDL, Hartford Says
Two Hartford units told a Delaware state court they should have no duty to defend Meta Platforms Inc., parent of Facebook and Instagram, against numerous lawsuits accusing the social media giant of deliberately designing its platforms to be addictive to adolescents and concealing its harmful effects on them.
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November 04, 2024
9th Circ. Revives Developer's Fire Loss Coverage Suit
The Ninth Circuit revived a company's claim for lost business income after its laundromat development project was destroyed in a fire, saying Monday in an unpublished opinion that the developer's claim is not unduly speculative.
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November 04, 2024
Insurer Says Only Sublimit Available In Sex Misconduct Suits
A commercial general liability insurer for a Nashville-based gym told a Tennessee federal court that only a $100,000 "each abuse" sublimit in an abuse endorsement is available for four civil lawsuits stemming from a personal trainer's sexual misconduct.
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November 04, 2024
Justices Remand Atty Privilege Case After Judge Admits Gaffe
The Colorado Supreme Court has remanded a case over whether communications between an insurance company's outside lawyer and the experts it hired to study an alleged construction defect are privileged, after some justices said the appeal was "half-baked" because the trial judge had already admitted she was wrong.
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November 01, 2024
Taco Bell Franchisee Insurers Want Out Of BIPA Suit Coverage
Two Nationwide units told an Illinois federal court they owe no coverage to two Taco Bell franchisees facing a proposed class action alleging that they violated the Illinois Biometric Information Privacy Act, invoking three separate exclusions in the franchisees' commercial general liability and umbrella policies.
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October 31, 2024
Insurance Risks Abound Due To Exceptional Storms, Pros Say
The 2024 hurricane season is historically exceptional from a climatological and insurance industry perspective, but it should also be understood against the greater context of a high-loss landscape that demands a finer understanding of changing climate risks, academic risk experts said Thursday.
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October 31, 2024
Chubb Says No Coverage For Texas Chemical Explosion Suits
Two Chubb units told a Texas federal court Thursday they owe no coverage to Team Industrial Services Inc. for two lawsuits seeking to hold it liable for injuries from an explosion at a chemical plant, arguing a pollution exclusion applies because a release of a chemical caused the explosion.
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October 31, 2024
Insurance Litigation Week In Review
The Louisiana Supreme Court ruled on the enforceability of arbitration clauses in insurance contracts, a Pennsylvania federal court denied a medical company's bid for toxic tort coverage and a New Jersey federal court blocked an insurer's attempt to dodge covering sexual abuse claims.
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October 31, 2024
Kirkland Adds Partner To Insurance Transactions Practice
Kirkland & Ellis LLP has added another partner to the firm's insurance transactions and regulatory practice group, following two other partner hires to the group earlier this year.
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October 31, 2024
The 2024 Law360 Pulse Leaderboard
Check out the Law360 Pulse Leaderboard to see which firms made the list of leaders in all-around excellence this year.
6th Circ. To Mull CGL-Cyber Line In Home Depot Hack Fight
The Sixth Circuit's consideration of whether an electronic data exclusion relieves commercial general liability insurers for Home Depot of $50 million in data breach coverage obligations could provide some clarity on when, or if, CGL and cyber coverage overlap.
Meet The Insurance Commissioner Candidates For Wash., ND
With Washington and North Dakota rounding out the states prepared to cast their vote for insurance commissioner, the former will see a new commissioner for the first time in 24 years and the latter features an incumbent running unopposed. Law360 spoke with the candidates about their takes on the status of their state's insurance market and their plans for holding the office.
Mixed Opioid Suit Rulings Complicate Disputes For Coverage
Litigation against manufacturers and distributors of opioid products for their role in nationwide opioid deaths has pitted policyholders against insurers, and mixed rulings in the last year offer unclear signs of how general liability or specialty line policies will afford coverage.
Expert Analysis
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Consider The Impact Of Election Stress On Potential Jurors
For at least the next few months, potential jurors may be working through anger and distrust stemming from the presidential election, and trial attorneys will need to assess whether those jurors are able to leave their political concerns at the door, says Ken Broda-Bahm at Persuasion Strategies.
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NC Ruling Takes Practical Approach To Duty-To-Defend Costs
In Murphy-Brown v. Ace American Insurance, a case of first impression, the North Carolina Business Court adopted the commonsense rationale of many state courts in holding that policyholders' defense costs should be deemed presumtively reasonable when a insurer breaches its duty to defend, say attorneys at McGuireWoods.
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What Hawaii High Court Got Right And Wrong In AIG Ruling
Though the Hawaii Supreme Court in its recent Aloha Petroleum v. National Union Fire Insurance decision correctly adopted the majority rule that recklessly caused harm is an accident for coverage purposes, it erred in its interpretation of the pollution exclusion by characterizing climate change as "traditional environmental pollution," say attorneys at Haynes Boone.
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7 Tips To Help Your Witness Be A Cross-Exam Heavyweight
Because jurors tend to pay a little more attention to cross-examination, attorneys should train their witnesses to strike a balance — making it tough for opposing counsel to make their side’s case, without coming across as difficult to the jury, says Ken Broda-Bahm at Persuasion Strategies.
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Key Insurance Implications Of Hawaii's Historic GHG Ruling
In Aloha Petroleum v. National Union Fire Insurance, the Hawaii Supreme Court became the first state court to classify greenhouse gasses as pollutants barred from insurance coverage, a ruling likely to be afforded great weight by courts across the country, say Scott Seaman and Gar Lauerman at Hinshaw & Culbertson.
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Use The Right Kind Of Feedback To Help Gen Z Attorneys
Generation Z associates bring unique perspectives and expectations to the workplace, so it’s imperative that supervising attorneys adapt their feedback approach in order to help young lawyers learn and grow — which is good for law firms, too, says Rachael Bosch at Fringe Professional Development.
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Congress Can And Must Enact A Supreme Court Ethics Code
As public confidence in the U.S. Supreme Court dips to historic lows following reports raising conflict of interest concerns, Congress must exercise its constitutional power to enact a mandatory and enforceable code of ethics for the high court, says Muhammad Faridi, president of the New York City Bar Association.
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State Of The States' AI Legal Ethics Landscape
Over the past year, several state bar associations, as well as the American Bar Association, have released guidance on the ethical use of artificial intelligence in legal practice, all of which share overarching themes and some nuanced differences, say Eric Pacifici and Kevin Henderson at SMB Law Group.
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NY Banking Brief: All The Notable Legal Updates In Q3
In a relatively light few months for banking legal updates in New York, the state Department of Financial Services previewed its views on banking sector artificial intelligence use via insurer guidance, and an anti-money laundering enforcement action underscored the importance of international monitoring processes, say Eric McLaughlin and Dana Bayersdorfer at Davis Polk.
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Class Actions At The Circuit Courts: September Lessons
In this month's review of class action appeals, Mitchell Engel at Shook Hardy identifies practice tips from four recent class certification rulings involving denial of Medicare reimbursements, automobile insurance disputes, veterans' rights and automobile defects.
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3 Coverage Tips As 2nd Circ. 'Swipes Left' On Tinder Claim
The Second Circuit's recent opinion in Match Group v. Beazley Underwriting, overturning Tinder's victory on its insurer's motion to dismiss a coverage action, reinforces three best practices policyholders purchasing claims-made coverage should adhere to in order to avoid late-notice defenses, say Lynda Bennett and Alexander Corson at Lowenstein Sandler.
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What To Know About Insurance Coverage For Antitrust Risks
With all the regulatory activity surrounding antitrust and unfair competition claims, as highlighted by last month's D.C. federal court decision that Google is a monopolist, businesses must not only ensure compliance, but also understand their potential insurance coverage when such claims arise, says Micah Skidmore at Haynes Boone.
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Rise Of Transpo Contractors Brings Insurance Disputes
As more independent contractors are contracted and subcontracted in the delivery industry, companies must be prepared to defend claims from drivers who are injured on the job as they are often seeking to establish an employment relationship with one of the entities in the chain, says Nathan Milner at Goldberg Segalla.