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Expert Analysis

When Is A Policy Renewal Actually A Renewal?

Law360, New York (October 26, 2015, 11:22 AM EDT) -- A recent case decided by the United States Court of Appeals for the Third Circuit addressed the deceptively simple question of whether a renewal offer by an insurer to its policyholder is a renewal as promised by the policy. Indian Harbor Insurance Co. v. F&M Equipment.[1] You know the situation; a three-year policy is about to expire and the insurer provides new terms and conditions for another three-year term. Is that a renewal or a cancellation and offer of a new contract?...

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