General Liability
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July 17, 2025
Top Legal Developments That Could Impact LA Fire Aftermath
While the full consequences of a series of devastating wildfires that struck Los Angeles in January are still becoming clear, insurance experts and attorneys have pointed to a series of lawsuits and decisions as having important implications for the city's recovery.
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July 17, 2025
Insurance Litigation Week In Review
Florida's insurer of last resort was hit with a lawsuit over its use of arbitration, an insurer sought to limit its coverage exposure for 175 silica injury lawsuits to a single policy and the Ninth Circuit issued a no-coverage ruling concerning a $58.5 million judgment over mishandled bodily remains. Here, Law360 takes a look at the past week's top insurance news.
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July 17, 2025
Insurer Says Pollution Exclusion Applies To Asbestos Suits
A Berkshire Hathaway unit said it doesn't owe coverage to a paint and drywall product manufacturer in a number of asbestos exposure suits, telling a Texas federal court Thursday that coverage is barred by a pollution exclusion in its umbrella and excess policies.
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July 17, 2025
Mass Deportations Could Raise Insurance Costs, Profs Say
The Trump administration's mass deportation program could increase costs for insurance carriers and homeowners by reducing the number of undocumented immigrants so critical to the construction industry, business and insurance professors say.
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July 17, 2025
Oil Cos. Not Covered In Gas Exposure Suit, Markel Unit Says
A Markel unit has no duty to defend or indemnify oil and gas companies in a suit over a worker's exposure to toxic hydrogen sulfide gas, it told a Texas federal court, saying the underlying suit did not allege an occurrence.
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July 16, 2025
Travelers Avoids Bad Faith Claim In Yacht Damage Dispute
A Travelers unit did not act in bad faith when handling a yacht owner's claim for coverage after its yacht was destroyed during Hurricane Irma, a Florida federal court ruled Wednesday, saying, at the time, it was unclear whether Florida law or federal maritime law applied.
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July 16, 2025
Bojangles Insurer Must Cover Settled Rape Suit, Court Rules
A Bojangles franchisee's insurer had a duty to cover it in a now-settled civil lawsuit alleging that a manager at one of the franchisee's locations raped an employee who was a minor, a Georgia federal court ruled Wednesday, finding that one of two coverage forms at issue was triggered.
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July 15, 2025
Insurers Prevail In $59M Mishandled Remains Row At 9th Circ.
Two insurers for a provider of medical training have no duty to cover a $58.5 million civil judgment against a man found liable for mishandling donated bodily remains, the Ninth Circuit ruled Tuesday, though also allowing the underlying claimants to still pursue bad faith claims against the insurers.
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July 15, 2025
Medicaid Cuts Pose 'Frontal Assault,' Penn Law Prof Says
Allison K. Hoffman, a health insurance regulation expert at the University of Pennsylvania Carey Law School, talks about the wide-ranging impacts of the cuts coming to Medicaid funding.
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July 15, 2025
These Firms Worked On The Top First-Half Real Estate Deals
A&O Shearman and Stibbe are among the more than 20 law firms that scored work on the 10 largest global real estate mergers and acquisitions of the first half, a period that saw three transactions above $4 billion.
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July 14, 2025
Assault Exclusion Bars Drywall Co.'s Murder Coverage Bid
A drywall company's insurer has no duty to cover the business in a pending wrongful death lawsuit over a woman's murder, a Texas federal court ruled Monday, saying that both "common sense" and a "plethora of caselaw" support its finding that an assault and battery exclusion applies.
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July 14, 2025
Insurer Seeks $1M Coverage Cap Over 175 Silica Suits
An insurer for a manufacturer of countertops told a New York federal court that only one primary environmental liability policy it issued applies to roughly 175 lawsuits seeking damages for exposure to silica, pointing to "deemer provisions" relating to coverage for "progressive or indivisible" bodily injury.
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July 14, 2025
BNSF Can't Toss Indemnity Claim In Flood Coverage Suit
Two Travelers insurers may proceed with their claim that they have no duty to indemnify railway giant BNSF in a suit alleging that a track relocation project the company undertook caused significant flooding on a property owner's land, a California federal court ruled Monday.
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July 14, 2025
Insurer Needn't Defend Texas Ranch In Horse Abuse Suit
An insurer has no duty to defend an equestrian facility against claims that its negligence contributed to the injury, neglect, and even death, of horses that were kept on its property, a Texas federal court ruled, reserving any ruling on the insurer's duty to indemnify for a later date.
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July 10, 2025
Top General Liability Rulings From The First Half Of 2025
Federal courts have handed down big wins for insurers, finding that they needn't cover claims related to a Home Depot data breach and opioid litigation brought against Publix, as well as issuing rulings favoring carriers in disputes over so-called ghost guns and PFAS-related litigation. Here, Law360 breaks down the top commercial general liability rulings from the first half of 2025.
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July 10, 2025
Texas Floods Highlight Risk Of Climate Cuts, Low Coverage
A series of deadly floods in Texas Hill Country over the July 4 weekend underscore the danger of rollbacks and threats to federal programs for disaster relief and climate monitoring, while also showing the need for greater flood coverage uptake to avoid longer-term economic challenges.
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July 10, 2025
9th Circ. Backs Geico Win In COVID Auto Rebate Class Action
The Ninth Circuit affirmed Geico's victory in a certified class action alleging it owed additional refunds to drivers who overpaid their auto insurance premiums during COVID-19 stay-home orders, ruling on Wednesday that Geico charged rates that were previously approved by California's insurance commissioner, which bars the plaintiff's state Unfair Competition Law claim.
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July 10, 2025
Insurance Litigation Week In Review
Michigan's top court found that claims over personal injury protection coverage can be revived after they are transferred to third parties, the Eighth Circuit relieved a Chubb insurer from having to split an underlying $2 million settlement and the Fourth Circuit revived a South Carolina builder's condo repair coverage dispute. Here, Law360 takes a look at the past week's top insurance news.
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July 09, 2025
Costco Says Insurer Owes Defense In Heavy Box Injury Suit
A Hartford unit violated Washington state's Insurance Fair Conduct Act by unreasonably denying additional insured coverage for a man's lawsuit alleging he suffered severe injuries when moving a product at Costco, the retail giant alleged in a lawsuit recently removed to Washington federal court.
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July 09, 2025
Insurer Rejects Coverage For Ind. Federal Antitrust Suit
An insurer for a digging and pipe services company told an Indiana federal court it should owe no coverage for a civil antitrust lawsuit, pointing in part to an exclusion barring coverage for "personal and advertising injury" arising from the "access or disclosure of confidential or personal information."
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July 09, 2025
Transport Co. Not Covered In Crash Suits, Judge Says
A transportation company is not entitled to coverage for personal injury suits stemming from a crash involving a trucking shipment, a Pennsylvania federal court has ruled, saying coverage is excluded because the company was listed on the bill of lading for the shipment.
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July 08, 2025
Exclusion's Use Of 'The' Supports Alt. Reading, 5th Circ. Says
The Fifth Circuit said an exclusion barring coverage for intellectual property infringement claims didn't necessarily relieve an insurer from covering defense expenses an oil and gas company incurred in an IP theft lawsuit, finding the exclusion's use of "the" led to a pro-coverage, reasonable meaning.
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July 08, 2025
Oil Cos.' Water Pollution Coverage Suit Gets Trimmed
Two oil and gas companies can't proceed with bad faith claims against certain underwriters at Lloyd's of London in a dispute over coverage for the remediation of water byproduct pollution, a New Mexico federal court ruled, saying the companies failed to allege facts supporting their claims.
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July 07, 2025
Hartford Says No Coverage For General Store's GIPA Row
A Hartford unit told an Illinois federal court that it does not owe a general store coverage for claims that the company violated the state's genetic information privacy law by conditioning employment on disclosing genetic information.
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July 07, 2025
4th Circ. Revives SC Builder's Bid For Condo Repair Coverage
A Charleston builder will get a second chance at recouping the money it spent repairing a condo complex that flooded after the Fourth Circuit on Monday partially vacated a pretrial win favoring its insurer, finding there are still unanswered questions about whether certain costs might be covered under its policy.
Expert Analysis
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Texas Case Shows Why Juries Are Well-Suited To COVID Suits
The original jury verdict in Baylor College of Medicine v. Lloyd's, currently on appeal to the Texas Supreme Court after being overturned by an appellate panel, illustrates why COVID-19 business interruption claims with their case-specific facts need to be decided by juries, not by judges using a one-size-fits-all approach, says Jeremy Lawrence at Farella Braun.
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Filial Consortium Claims' Future After Conn. High Court Ruling
While the Connecticut Supreme Court recently ruled for defendants in rejecting parents’ attempt to recover loss of companionship damages in a severe child injury case, there is still potential for the plaintiffs bar to lobby for a law that would allow filial consortium claims, Glenn Coffin at Gordon Rees.
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In-House Expert Testimony Is Tricky, But Worth Considering
Litigation counsel often reject the notion of designating in-house personnel to provide expert opinion testimony at trial, but dismissing them outright can result in a significant missed opportunity, say David Ben-Meir at Ben-Meir Law and Martin Pitha at Lillis Pitha.
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Tracking Changes To AI Evidence Under Federal Rules
As the first quarter of 2025 draws to a close, important changes to the Federal Rules of Evidence regarding the use of artificial intelligence in the courtroom are on the horizon, including how to handle evidence that is a product of machine learning, say attorneys at Debevoise.
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Key Insurance Issues Likely To Arise From NY Superfund Law
The recently enacted New York Climate Change Superfund Act imposes a massive $75 billion in liabilities on energy companies in the fossil fuel industry, which can be expected to look to their insurers for coverage, raising a slew of coverage issues both old and new, say attorneys at Wiley.
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What To Know About NAIC's Risk-Based Capital Task Force
Attorneys at Debevoise outline key details of the Risk-Based Capital Model Governance Task Force, which was recently launched by the National Association of Insurance Commissioners, including the task force's objectives, and potential implications for insurers and their investment strategies.
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How To Create A Unique Jury Profile For Every Case
Instead of striking potential jurors based on broad stereotypes or gut feelings, trial attorneys should create case-specific risk profiles that address the political climate, the specific facts of the case and the venue in order to more precisely identify higher-risk jurors, says Ken Broda-Bahm at Persuasion Strategies.
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AG Watch: Texas Is Entering New Privacy Enforcement Era
The state of Texas' recent suit against Allstate is the culmination of a long-standing commitment to vigorously enforcing privacy laws in the state, and while still in the early stages, it offers several important insights for companies and privacy practitioners, says Paul Singer at Kelley Drye.
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What To Know About Insurance Coverage For Greenwashing
As the number of public and private lawsuits relating to greenwashing dramatically grows, risk managers of companies making environmental claims should look to several types of insurance for coverage in the event of a suit, say attorneys at Hunton.
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Managing Anti-Corporate Juror Views Revealed By CEO Killing
After the shooting of UnitedHealthcare CEO Brian Thompson laid bare deep-seated anti-corporate sentiments among the public, companies in numerous industries will have to navigate the influence of related juror biases on litigation dynamics, say Jorge Monroy and Keith Pounds at IMS Legal Strategies.
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Notable Q4 Updates In Insurance Class Actions
In a continuation of trends in property and casualty insurance class actions, last quarter insurers struggled with defending the merits and class certification of sales tax and fee suits, and labor depreciation cases, but succeeded in dismissing privacy class actions at the pleading stages, says Mathew Drocton at BakerHostetler.
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Evidence Rule May Expand Use Of Out-Of-Court Statements
A proposed amendment to Federal Rule of Evidence 801(d)(1)(A) would broaden the definition of nonhearsay, reflects a more pragmatic approach to regulating the admissibility of out-of-court statements by declarant-witnesses, and could help level the playing field between prosecutors and criminal defendants, say attorneys at Hangley Aronchick.
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The Math Of Cross-Examination: Less Is More, More Is Less
When conducting cross-examination at trial, attorneys should remember that “less is more, and more is less” — limiting both the scope of questioning and the length of each query in order to control the witness’s testimony and keep the factfinders’ attention, says Thomas Innes at the Defender Association of Philadelphia.