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General Liability

  • June 02, 2025

    Insurance Experts Examine AI's Challenges For Underwriting

    Academics, attorneys and insurance industry officials took a look at the myriad ways artificial intelligence could affect the "insurance value chain," as one conference panelist put it, across claims, litigation and underwriting, including the coverage of AI-related occurrences themselves.

  • June 02, 2025

    Insurer Not Liable For $8.5M Florida Condo Defect Damages

    A Florida federal judge freed an insurer from paying any of the $8.5 million in damages connected to shoddy work at a Florida condo, finding there wasn't an allocation accounting for which claims were covered and which claims were not in an agreement between the condo and a contractor. 

  • May 30, 2025

    Townhome Org. Seeks Confirmation Of Storm Damage Award

    A townhome association's insurer has no legal basis to withhold payments under a $2.7 million appraisal award for costs connected to a 2022 storm, the association told a Minnesota federal court Friday in a bid for an early win in its suit.

  • May 30, 2025

    Insurer's Hail Claim Denial Not Unreasonable, 10th Circ. Says

    A commercial property owner failed to show that its insurer unreasonably denied coverage for a hail damage claim under Colorado law or violated insurance industry standards by relying on an expert report, the Tenth Circuit said in an unpublished opinion Friday.

  • May 29, 2025

    Insurer Waived Arbitration For Many Reasons, NJ Panel Rules

    An insurer waived its right to arbitration for many reasons, a New Jersey appellate panel affirmed, finding a pier owner's coverage dispute concerning underlying litigation brought against it by public utilities blaming it for a fluid leak in the Hudson River must head to trial.

  • May 29, 2025

    Q&A: What's The Deal With Insurance-Linked Securities?

    The use of insurance-linked securities has boomed in recent years, helping increase overall global reinsurance capacity and allowing investors to participate in reinsurance transactions without having to become licensed reinsurers themselves. Here, Law360 talks to Nicholas Berry, a London-based partner at Norton Rose Fulbright, on the mechanics of ILS transactions and why he thinks this alternative asset type is here to stay.

  • May 29, 2025

    FDA Changes May Put CGL Policies In Play, Experts Say

    Changing regulations at the U.S. Food and Drug Administration under the Trump administration may make food contamination risks a higher concern for certain policyholders, and insureds should closely review their commercial general liability and product recall policies for potential coverage, experts say.

  • May 29, 2025

    Insurance Litigation Week In Review

    Towers Watson's insurers don't have to cover shareholder litigation, the Fifth Circuit said its hands were tied concerning fire damage arbitration, North Carolina's highest court allowed a homeowner who didn't read his policy to continue his agency negligence case and a Georgia couple say two personal injury firms misled them. Here, Law360 takes a look at the past week's top insurance news.

  • May 28, 2025

    Insurers Get Meta MDL Coverage Fight Kicked Back To Del.

    A California federal judge has ruled that Meta Platforms' sprawling dispute with dozens of insurers over coverage for personal injury multidistrict litigation belongs in Delaware state court, where two Hartford Insurance Group units first sued, rejecting Meta's claims Hartford acted in bad faith in suing in Delaware, along with other arguments.

  • May 28, 2025

    Insurer Questions Coverage Of Ohio Tenant Harassment Case

    An Ohio insurer filed a federal lawsuit arguing on Wednesday that it is not obligated to defend or indemnify Athens County, Ohio, landlords accused in a U.S. Department of Justice lawsuit of allowing sex discrimination and harassment against female tenants at at least one rental property for years.

  • May 28, 2025

    Insurer Fights Coverage Of Patent Suit Against Dental Co.

    An insurer told a Michigan federal court it is not obligated to defend or indemnify a dental products company in an underlying patent infringement case, arguing that the claims fall outside the scope of the commercial liability coverage.

  • May 27, 2025

    Pharma Co. Says Chubb Failed To Pay Covered Defense Costs

    A New Jersey pharmaceutical company said Chubb owes nearly $6.5 million in outstanding defense costs related to a multibillion-dollar arbitration dispute over the manufacture of an antiviral drug, according to a suit removed to federal court Tuesday.

  • May 27, 2025

    Property Co. Not Covered In Condo Fire Suits, Insurer Says

    A property management company isn't covered for suits claiming it hired an unlicensed contractor whose work caused a fire at a condo complex, an insurer told a Florida federal court, saying coverage isn't available under a commercial general liability policy and is limited under a professional liability policy.

  • May 23, 2025

    Mich. Justices To Hear Appeal Over Auto Policy Rescission

    The Michigan Supreme Court agreed to hear a dispute over whether an appeals court correctly held that a Progressive unit could rescind a woman's auto policy because of misrepresentations in her insurance application after a trial court ruled the insurer had to reform the policy instead.

  • May 23, 2025

    Atty, Stepdaughter Face $600K Workers' Comp Fraud Charges

    The Orange County District Attorney's Office has charged a California attorney and his stepdaughter with conspiring to defraud a police department she was employed at by filing fraudulent workers' compensation payments.

  • May 23, 2025

    Judge Tells Boat Crash Widow To Replead $66M Insurer Suit

    A Florida federal judge on Friday dismissed a lawsuit by the widow of the victim of a fatal boat crash seeking to get insurers to pay $66 million judgments but told the widow to replead her claims without the bad faith allegations to streamline discovery in the first stage of the litigation.

  • May 23, 2025

    Mich. Justices Agree To Hear Insurer's PIP Benefits Appeal

    The Michigan Supreme Court has agreed to review a split lower court's finding that an auto insurer must provide personal injury protection, or PIP, benefits to a policyholder's son who was injured in an out-of-state tractor-trailer crash.

  • May 23, 2025

    Furniture Cos. Say Insurer Owes For $10M Flood Losses

    Two metro Detroit furniture stores accuse an insurer of breach of contract after it refused to cover more than $10 million in collective damages caused by flooding from a ruptured city water supply line in a case removed to Michigan federal court.

  • May 22, 2025

    Affirmative AI Coverage Challenges Specialty Insurance Lines

    Boutiques and major insurers alike have recently issued long-anticipated affirmative coverage for artificial intelligence risks, a divisive bet on the increased need for explicit protection and pricing of the technology's specific risks, even as existing policies offer many similar protections.

  • May 22, 2025

    Virus Coverage Revival Loss Shows Import Of Judicial Finality

    A North Carolina federal court's ruling that Golden Corral can't set aside a judgment against its bid for pandemic-related coverage despite recent policyholder success in the state Supreme Court highlighted the importance of judicial finality, while marking the difference between state and federal courts weighing insurance issues.

  • May 22, 2025

    Mich. Justices To Review Nationwide's Unitary Tax Filing Win

    The Michigan Supreme Court agreed Thursday to weigh an appeal by the state's tax agency of a decision that said Nationwide entities could file their taxes as a unitary group to share tax credits among its members.

  • May 22, 2025

    Insurance Litigation Week In Review

    The U.S. Supreme Court passed on insurer challenges to tribal jurisdiction in COVID-19 coverage cases, a Washington federal court approved Symetra's $32.5 million overcharging settlement, legal malpractice claims outpace inflation and a condo association's timing in serving an insurer helped it avoid removal to Florida federal court.

  • May 21, 2025

    Zurich Gets Default Win In $4.6M Contractor Coverage Spat

    Zurich American Insurance Co. doesn't owe coverage to two subcontractors accused of bungling work on a Georgia natural gas plant, a federal judge has ruled, granting the insurer a default win in its suit seeking to nullify a $4.6 million claim.

  • May 21, 2025

    Insurer Demands Shipper Pay $480K For Spoiled Crabmeat

    An insurer asked a New York federal court on Wednesday to force a Taiwanese shipper to pay over $480,000 for crabmeat that the carrier alleged was spoiled en route from the Philippines to Norfolk, Virginia.

  • May 21, 2025

    SC Justices Affirm Receivership Order In Asbestos Dispute

    The South Carolina Supreme Court on Wednesday unanimously upheld a trial court's decision to appoint a receiver over a Canadian company's insurance assets as part of discovery sanctions in an asbestos injury lawsuit, despite the company's contention it possesses no property in the state.

Expert Analysis

  • Teaching Your Witness To Beat The Freeze/Appease Response

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    In addition to fight-or-flight, witnesses may experience the freeze/appease response at trial or deposition — where they become a deer in headlights, agreeing with opposing counsel’s questions and damaging their credibility in the process — but certain strategies can help, says Bill Kanasky at Courtroom Sciences.

  • What Insurers Need To Know About OFAC's Expanded FAQs

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    The Office of Foreign Assets Control's recently expanded insurance FAQs clarify how OFAC views insurance policies in a number of specific circumstances involving sanctioned parties, and make plain that sanctions compliance is the responsibility of all participants in the insurance ecosystem, including underwriters, brokers and agents, say attorneys at Morgan Lewis.

  • Nevada Justices Could Expand Scope Of Subrogation Claims

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    The Nevada Supreme Court's recent decision to hear North River Insurance v. James River Insurance could expand the scope of equitable subrogation claims in the state by aligning with the California standard, which doesn't require excess insurers to demonstrate damages, says Daniel Heidtke at Duane Morris.

  • 8 Tech Tips For Stress-Free Remote Depositions

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    Court reporter Kelly D’Amico shares practical strategies for attorneys to conduct remote depositions with ease and troubleshoot any issues that arise, as it seems deposition-by-Zoom is here to stay after the pandemic.

  • 4 Ways Attorneys Can Emotionally Prepare For Trial

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    In the course of litigation, trial lawyers face a number of scenarios that can incite an emotional response, but formulating a mental game plan in advance of trial can help attorneys stay cool, calm and collected in the moment, says Rachel Lary at Lightfoot Franklin.

  • Presidential Campaign Errors Provide Lessons For Trial Attys

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    Vice President Kamala Harris’ presidential campaign employed numerous strategies that evidently didn’t land, and trial attorneys should take note, because voters and jurors are both decision-makers who are listening for how one’s case presentation would affect them personally, says Reuben Guttman at Guttman Buschner.

  • 3 Policyholder Lessons From NY Bad Faith Ruling

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    A New York appellate court's recent decision finding that Rockefeller University alleged viable bad faith claims against its insurers reinforces the principle that insurers may not elevate their own economic interests over those of their insureds, say attorneys at Lowenstein Sandler.

  • Notable Q3 Updates In Insurance Class Actions

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    Total loss valuation cases and labor depreciation cases dominated the past quarter of insurance class actions, with courts continuing to reject challenges to condition adjustments in the former, and a pro-insured trend persisting in the latter, say attorneys at BakerHostetler.

  • Consider The Impact Of Election Stress On Potential Jurors

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    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.

  • NC Ruling Takes Practical Approach To Duty-To-Defend Costs

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    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.

  • What Hawaii High Court Got Right And Wrong In AIG Ruling

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    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.

  • 7 Tips To Help Your Witness Be A Cross-Exam Heavyweight

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    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.

  • Key Insurance Implications Of Hawaii's Historic GHG Ruling

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    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.