Winter, spring, summer, fire season, and fall – as Californians, we have all become accustomed to a fifth season – fire season. Even worse, fire season was once confined to just a few months, but now is a threat for most of...more
9/20/2022
/ Agricultural Sector ,
Crop Insurance ,
Crops ,
Fire Insurance ,
Insurance Agents ,
Insurance Brokers ,
Insurance Industry ,
Property Insurance ,
Wildfires ,
Wine & Alcohol ,
Wineries
The war exclusion has received a lot of attention over the past year, particularly since Russia invaded Ukraine in February. Policyholders’ concern that insurers will assert the exclusion as a basis to deny coverage is...more
7/15/2022
/ Casualty Insurance ,
Cyber Attacks ,
Cyber Insurance ,
Denial of Insurance Coverage ,
Insurance Claims ,
Insurance Industry ,
Insurance Litigation ,
Policy Exclusions ,
Policy Terms ,
Property Insurance ,
Ransomware
The “war” exclusion has gotten more attention over the past couple of weeks in light of Russia’s invasion of Ukraine. For good reason. This exclusion, common in property and liability policies alike, typically eliminates...more
3/15/2022
/ Contract Interpretation ,
Cyber Attacks ,
Cyber Insurance ,
Cybersecurity ,
Denial of Insurance Coverage ,
Insurance Claims ,
Insurance Industry ,
Insurance Litigation ,
Malware ,
Policy Exclusions ,
Property Insurance ,
Ransomware
Smoke taint has dominated the worries of the California wine industry recent years. With unsettled climate conditions and continued droughts, there is no reason to think that smoke taint will not continue to be a significant...more
10/28/2021
/ Contract Negotiations ,
Crop Insurance ,
Crops ,
Fire Damage ,
Insurance Claims ,
Insurance Contracts ,
Insurance Industry ,
Property Damage ,
Property Insurance ,
Risk Mitigation ,
Wine & Alcohol ,
Wineries
Unfortunately, we again write while wildfire is devouring homes and businesses in Napa and Sonoma, and threatening many more. We’ve previously posted tips about first steps that you should take in the event your business has...more
Recent wildfires in California Wine Country, particularly those that devastated parts of Napa and Sonoma counties in October 2017, have focused attention on whether insurance covers smoke taint damage to grapes and...more
2/4/2020
/ Agricultural Sector ,
Commercial General Liability Policies ,
Crop Insurance ,
Crops ,
Denial of Insurance Coverage ,
Insurance Industry ,
Policy Exclusions ,
Property Damage ,
Property Insurance ,
Wildfires ,
Wine & Alcohol ,
Wineries
If your business has sustained a fire loss, below are steps for you to take in working with your insurers to ensure that you receive the maximum benefits under any applicable insurance policies....more