General Liability

Expert Analysis

• How Choice Of Law Won The Day In NC Biz Court COVID Case

  

  The North Carolina Business Court recently ruled for policyholders in Tanger Properties v. ACE American Insurance, a business interruption lawsuit arising from the pandemic-related closure of Tanger outlet centers, underscoring the significant role that choice of law plays in insurance coverage disputes, say attorneys at Hunton.

• Tracking The Evolution Of AI Insurance Regulation In 2025

  

  As artificial intelligence continues to transform the insurance industry, including underwriting, pricing, claims processing and customer engagement, state regulators, led by the National Association of Insurance Commissioners, are increasing oversight to ensure that innovation does not outpace consumer protections, say attorneys at Fenwick.

• 6 Ways To Nuke-Proof Litigation As Explosive Verdicts Rise

  

  As the increasing number of nuclear verdicts continues to reshape the litigation landscape, counsel must understand how to create a multipronged defense strategy to anticipate juror expectations and mitigate the risk of outsize jury awards, say attorneys at Norton Rose.

• How Unchecked AI Exposes Expert Opinions To Exclusion

  

  A growing number of cases illustrate the potential for misuse of artificial intelligence tools by experts in litigation, resulting in reports with hallucinated information or unexplainable analysis, so to embrace the efficiencies AI tools introduce without falling victim to the risks, attorneys and experts should implement a few best practices, say attorneys at Willkie Farr.

• 'Measure Twice, Cut Once' Also Applies To Builders' Insurance

  

  A New York federal court's recent decision in Ohio Security Insurance v. Southwest Marine and General Insurance, denying additional insured coverage, shows why it's key to apply the caution of "measure twice, cut once" to construction contracts and insurance policy language, say attorneys at Reed Smith.

• 1st Circ. Offers Diversity Jurisdiction Lessons For Assignees

  

  A recent First Circuit opinion in Gore v. SLSCO, dismissing a case after years of litigation, serves as a cautionary tale about what can go wrong if an assignee has not alleged sufficient facts to demonstrate there is complete diversity jurisdiction, says Ray Gauvreau at Robinson & Cole.

• How Trial Attys Can Sidestep Opponents' Negative Frames

  

  In litigation, attorneys often must deny whatever language or association the other side levies against them, but doing so can make the associations more salient in the minds of fact-finders, so it’s essential to reframe messages in a few practical ways at trial, says Ken Broda-Bahm at Persuasion Strategies.

• 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.