Expert Analysis

• Cyber Ruling Illustrates Risks Of Overlapping Coverages

  

  A Minnesota federal court recently held that insurer Illinois Casualty had to defend a suit alleging personal and advertising injury under both cyber protection coverage and the general liability coverage, highlighting complications that can arise when a single claim triggers multiple coverages, says Andrea Martinez at Wiley.

• Ill. State Farm Suit Tests State Insurance Data Demand Limits

  

  The Illinois Department of Insurance's recently filed suit against State Farm, seeking nationwide data on its homeowners insurance, raises important issues as to the breadth, and possible overreach, of a state's regulatory authority, says Stephanie Pierce at Kutak Rock.

• Class Actions At The Circuit Courts: November Lessons

  

  In this month's review of class action appeals, Mitchell Engel at Shook Hardy discusses five recent rulings and identifies practice tips from cases involving claims related to oil and gas royalty payments, consumer fraud, life insurance, automobile insurance, and securities violations.

• Notable Q3 Updates In Insurance Class Actions

  

  The third quarter of 2025 was another eventful quarter for total loss valuation class actions, with a new circuit split developing courtesy of the Sixth Circuit, while insurers continued to see negative results in cost-of-insurance class actions, says Kevin Zimmerman at BakerHostetler.

• How CGL Policies May Respond To Novel AI Psychosis Claims

  

  As courts and regulators begin to confront the realities of mental and physical injuries allegedly induced by artificial intelligence chatbots, commercial general liability insurers will need to reevaluate policy language, underwriting practices and claims handling protocols to address this emerging risk landscape, say attorneys at Wiley.

• Punitive Damages Awards Should Be Limited To 1st Instance

  

  Recent verdicts in different cases against Johnson & Johnson and Monsanto showcase a trend of multiple punitive damages being awarded to different plaintiffs for the same course of conduct by a single defendant, a practice that should be deemed unconstitutional by the U.S. Supreme Court, says Jacob Mihm at Polales Horton.

• AI Litigation Tools Can Enhance Case Assessment, Strategy

  

  Civil litigators can use artificial intelligence tools to strengthen case assessment and aid in early strategy development, as long as they address the risks and ethical considerations that accompany these uses, say attorneys at Barnes & Thornburg.

• The Emerging Issues Shaping Real Estate Project Insurance

  

  As real estate faces increasingly complex considerations — such as climate losses, "nuclear verdicts" and regulatory changes — insurance is evolving into a strategic function that should be discussed early in the planning stages of a project, says Jason Adams at Cox Castle.

• Insurer Investigation Lessons From 'The Real Housewives'

  

  The recent indictment of "Real Housewives of Potomac" stars Wendy and Edward Osefo on charges of insurance fraud serves as a cautionary tale for commercial policyholders about the tools insurers may use to investigate a suspicious or large insurance claim, and offers lessons on recordkeeping and cooperation, say attorneys at Hunton.

• State Of Insurance: Q3 Notes From Pennsylvania

  

  Todd Leon at Marshall Dennehey discusses three notable Pennsylvania auto insurance developments from the third quarter, including the Third Circuit weighing in on actual cash value, a state appellate court opining on the regular use exclusion and state legislators introducing a bill to increase property damage minimums.

• 10 Quick Tips To Elevate Your Evidence Presentation At Trial

  

  A strong piece of evidence, whether in the form of testimony or exhibit, is wasted if not presented effectively, so attorneys must prepare with precision to help fact-finders both retain the information and internalize its significance, says Allison Rocker at Baker McKenzie.

• How Courts Treat Nonservice Clauses For Financial Advisers

  

  Financial advisers considering a job change should carefully consider recent cases that examine controlling state law for nonservice and nonacceptance provisions to prepare for potential legal challenges from former firms, says Andrew Shedlock at Kutak Rock.

• What Insurers Must Know When Insureds File For Bankruptcy

  

  With increasing inflation, rising unemployment and growing consumer credit delinquencies, insurers and their intermediaries must be prepared to handle policyholders who are filing for bankruptcy by acquainting themselves with key procedural details of the bankruptcy process, say attorneys at McDermott.