General Liability

Expert Analysis

• Minn. Ruling Expands Insureds' Right To Independent Counsel

  

  If upheld on appeal, a recent decision by a Minnesota appellate court — Fabyanske Westra Hart & Thomson v. Western National Mutual Insurance — will give Minnesota policyholders a stronger basis to demand independent counsel when an insurer accepts a defense under a reservation of rights, say attorneys at Stoel Rives.

• NC Litigation Funding Ban Sets Model For Other States

  

  States worried about rising liability costs and the commercialization of their courts should treat North Carolina's recently enacted litigation funding ban as a model because a prohibition adequately addresses the distortion that disclosure only documents, say attorneys at McAngus Goudelock.

• 10th Circ. Ruling Propels Emerging 'Occurrence' Consensus

  

  The Tenth Circuit recently revived the Church of Jesus Christ of Latter-day Saints' bid for insurance coverage in a sexual abuse case, continuing a trend as the second circuit court to find that, where ambiguous, the definition of "occurrence" must be interpreted in favor of coverage, say attorneys at Anderson Kill.

• Insurer Spoliation Ruling Flags Continuing Duty To Preserve

  

  An Illinois federal court’s recent decision to impose spoliation sanctions on the insurer in H.D. Smith v. Cincinnati Insurance provides practical guidance for navigating long-tail coverage litigation, underscoring the importance of evaluating preservation obligations in light of the full life cycle of a dispute, say attorneys at Morgan Lewis.

• When And How To Use 4 Types Of Cross-Exam Questions

  

  Perceptions of a great cross-examination are often shaped by aggressive courtroom exchanges, but to be truly effective, this stage of trial requires strategically selecting confirmation, confinement, contrast or confrontation questions at key moments, says Allison Rocker at Baker McKenzie.

• Discovery Into Insurers' AI Use Should Stay Proportional

  

  As insurers increasingly use artificial intelligence to make claim decisions, plaintiffs in first-party coverage litigation should seek discovery that tracks how materially the automated system influenced the challenged decision, not whether the insurer used AI somewhere in its operations, says attorney Joe Zaid.

• Mitigating The Risk Of Antiestablishment Jurors

  

  The legal battles currently embroiling social media companies underscore that jurors with anti-corporate bias and conspiratorial thinking patterns pose myriad risks to corporate defendants, and defense counsel should adapt their trial strategies accordingly, say consultants at Persuasion Strategies.

• Notable Q2 Updates In Insurance Class Actions

  

  After 2026's second quarter, there is more authority rejecting class certification on total loss valuation theories from courts at the federal circuit, federal district and state appellate level — along with a resolution of a novel issue of depreciation on a wildfire claim, says Kevin Zimmerman at BakerHostetler.

• How Copa América Reshaped Crowd Security Risk Planning

  

  Two years after crowds overwhelmed security at the Copa América Final in Florida, the host stadium's updated practices demonstrate a reassessment of the standard of reasonable care for large events, illustrating broader principles that attorneys, venue operators, municipalities, insurers and security professionals should consider, says Joshua Padron at Padron & Lopez-Trigo.

• 3 Ways Policyholders Can Challenge AI Claims Handling

  

  As artificial intelligence tools become increasingly embedded in insurance claims handling, policyholders in coverage litigation should seek discovery of AI training data as payout-optimizing software may bolster bad faith claims and insurers' AI-use parameters may run afoul of good faith precedent, say attorneys at Cohen Ziffer.

• How Policyholders Can Press For Narrower AI Exclusions

  

  As artificial intelligence exclusions proliferate across policy types, renewing policyholders should seek to narrow exclusionary language by presenting their insurers with a corporate AI-use register identifying specific tools, use cases and governance policies, says Anthony Crawford at Olshan Frome.

• House Truck Weight Bill Could Raise Stakes In Crash Suits

  

  A bill pending in the U.S. House of Representatives could allow participating states to run six-axle trucks at 91,000 pounds instead of 80,000, likely resulting in more catastrophic injury claims with higher damages and further taxing an already strained insurance coverage system, says attorney Angel Reyes.

• State Of Insurance: Q2 Notes From Illinois

  

  The second quarter of 2026 featured a trio of auto insurance opinions from Illinois' appellate courts, addressing a notice requirement, narrowing insurers' exposure for delayed payment of underinsured motorist claims, and creating a district split on coverage for employee-drivers under employers' policies, says Matthew Fortin at BatesCarey.