Popular, Insurance Claims

Cybercriminals Hit Your Inbox—Now What? Recovering Funds After Business Email Compromise and Fraud Schemes

Potomac Law Group, PLLC on 7/11/2025

The global cyber scam industry is a multi-billion dollar racket run by crime syndicates who often operate through massive compounds known as “scam farms” in far flung locations. On our shores, many businesses fall prey to...more

AI Update: Chatbot Errors? – There’s a Policy for That!

Zelle LLP on 5/23/2025

In a remarkable development revealing the increasing integration of Artificial Intelligence into business operations, insurers at Lloyd’s of London have launched focused coverage for losses caused by artificial intelligence...more

Concurrent Causation is Key – Fifth Circuit Holds Insured to its Causative Burden

Zelle LLP on 4/22/2025

The United States Fifth Circuit Court of Appeals recently affirmed summary judgment granted by the bankruptcy court in favor of commercial property insurer in a Winter Storm Uri claim, holding that the insured motel owners...more

Any is Not All and The Future is Not Now: The Contours of the Cosmetic Damage Exclusion Taking Shape

Zelle LLP on 4/22/2025

In Iyengar v. Liberty Insurance Corporation, No. SA-21-CV-1091-FB, 2024 WL 5505300 (W.D. Tex. Dec. 13, 2024), District Judge Biery denied Plaintiffs’ Motion for Clarification regarding Magistrate Judge Bemporad’s...more

The Latest on PFAS: What Policyholders Need to Know Now

Pillsbury - Policyholder Pulse blog on 4/22/2025

We have previously written on the evolving risks associated with PFAS—also known as “forever chemicals”—and their implications for policyholders navigating environmental liabilities involving both PFAS and PFAS-related...more

The LA Fires Contingent Business Interruption Coverage Considerations

Zelle LLP on 3/24/2025

The Los Angeles area fires that started in early January have destroyed thousands of homes and businesses throughout the region. The fires triggered ongoing evacuation orders and warnings as communities coped with dangerous...more

North Carolina Supreme Court Unlocks the Door to COVID-19 Business Interruption Coverage, Holding that Pandemic-Era Restrictions...

McGuireWoods LLP on 12/19/2024

Last week, the North Carolina Supreme Court issued its long-awaited ruling in North State Deli, LLC v. The Cincinnati Insurance Company, siding with a group of North Carolina restaurants that sought business interruption...more

[Commentary] An Updated Primer on PFAS/Forever Chemical Claims: Regulation, Litigation, Large Losses, and Insurance Coverage...

Hinshaw & Culbertson - Insights for Insurers on 11/15/2024

Per- and poly-fluoroalkyl substances ("PFAS") represent major exposures to insurers and their policyholders. Thousands of lawsuits are pending nationwide, and numerous large settlements have already been reached. Insurers are...more

Texas Department of Insurance Approves ZestyAI’s Severe Convective Storm Models

Zelle LLP on 11/14/2024

Severe Convective Storms (“SCS”) are one of the most common and most damaging natural catastrophes in the United States. SCSs are intense atmospheric disturbances that can cause powerful winds, large hail, heavy rainfall, and...more

Cade v. State Farm Lloyds — Insured's Failure to Comply with Policy Conditions Bars Personal Property Claims

Zelle LLP on 11/14/2024

In PAJ, Inc. v. Hanover Ins. Co., the Texas Supreme Court set forth the “notice-prejudice rule,” which states that unless an insurer was prejudiced by an insured’s delay in giving timely notice of its claim or suit, an...more

How the 2024 U.S. Election Results Will Impact Insurers: A First Attempt at Reading the Tea Leaves

Hinshaw & Culbertson LLP on 11/12/2024

The results of the November 5, 2024, election in the United States will almost certainly have profound consequences within the country and across the globe. The election will surely impact policyholder exposures, insurer...more

Contract Exclusion Not Applicable Based on Asset Management Services Carveout

Wiley Rein LLP on 10/21/2024

The United States District Court for the Eastern District of Pennsylvania, applying Pennsylvania law, has held that a contract exclusion did not bar defense cost coverage for a lawsuit against a private equity firm alleging,...more

Hurricanes Helene and Milton: Insurance Implications

Pillsbury - Policyholder Pulse blog on 10/10/2024

Hurricane Helene struck Florida’s Big Bend region as a category 4 hurricane on September 25, 2024, and continued to move northeast. The storm caused widespread power outages and catastrophic damage across Florida, the...more

CrowdStrike IT Outage: Wave of Business Interruption Claims Expected

K&L Gates LLP on 7/30/2024

Businesses, public services, and computer users across the world faced disruption as a result of the major CrowdStrike information technology (IT) outage, which is being coined by many as one of the largest and worst cyber...more

Exclusion for Disclosure of “Confidential or Personal Information” Bars Coverage for BIPA Claim Involving Collection and...

Wiley Rein LLP on 7/17/2024

The United States Court of Appeals for the Seventh Circuit, applying Illinois law, has held that an exclusion for claims arising out of any access to or disclosure of any person’s “confidential or personal information” bars...more

Stemming Losses That Go Uncovered by Cyber Insurance

Esquire Deposition Solutions, LLC on 10/25/2023

Twenty years ago the federal government designated October as Cybersecurity Awareness Month, part of an early effort to promote a wider appreciation of computer-related threats to business and government operations and to...more

Association Of British Insurers Releases Guidance for Members on Taking Action Against Nature and Biodiversity Loss

Cadwalader, Wickersham & Taft LLP on 8/4/2023

The Association of British Insurers published guidance (the Action on Nature Guide) setting out what insurers and long-term savings providers can do to help prevent biodiversity loss in the UK and become more “nature...more

Coverage Challenges in Ransomware Claims: Cyber Insurance Policies and Trends in Denials

Kohrman Jackson & Krantz LLP on 7/31/2023

A consistent pattern emerges in data breach and cyber-attack cases when companies turn to their insurers for coverage after such incidents. Whether they possess specialized cyber insurance or not, insurers often decline...more

Legal Considerations for WHO’s ‘Possibly Carcinogenic’ Aspartame Classification

Morgan Lewis on 7/21/2023

On July 14, 2023, the World Health Organization (WHO) published a summary of two findings regarding aspartame, an artificial sweetener found in many consumer products. One finding categorized aspartame as “possibly...more

7th Cir. Holds Insurance Coverage Applies to Settlement Payments for Alleged Anti-Kickback and False Claims Act Violations

Carlton Fields on 6/5/2023

On May 3, 2023, the Seventh Circuit Court of Appeals, in Astellas US Holding Inc. v. Federal Insurance Co., held that a liability insurer was required to contribute its limits toward its insured’s payment to settle potential...more

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