General Liability

  • December 18, 2025

    Insurance Litigation Week In Review

    The Third Circuit revived a highway construction company's bid for coverage of vehicle pileup suits, a New Jersey state appeals court affirmed that a home insurer needn't cover a casino assault dispute, and a California federal court said a Chubb unit doesn't owe coverage for a tech CEO's living expense claim. Here, Law360 takes a look at the past week's top insurance news.

  • December 18, 2025

    Chemical Co. Seeks Contractor's Coverage For Mercury Suits

    The successor to a chemical company told a Louisiana federal court in a lawsuit that it is an additional insured under policies obtained by a contractor working on its chemical facility and is owed coverage for nearly 200 underlying lawsuits claiming mercury exposure from the facility. 

  • December 17, 2025

    Lighting Co. Strikes Deal In 401(k) Forfeiture, Tobacco Fee Suit

    An automotive lighting company told an Illinois federal court Wednesday that it has settled an ex-worker's proposed class action claiming the business mismanaged forfeited 401(k) funds and failed to inform workers who used tobacco how to avoid paying an extra health plan fee.

  • December 17, 2025

    Great American Says Cryo Unit Co. Hid Facts In Getting Policy

    Insurer Great American has gone to California federal court asserting that it doesn't owe coverage to a cryotherapy unit seller for an underlying lawsuit involving an alleged injury in a hyperbaric chamber at the company's subsidiary, arguing that the cryotherapy company never told the insurer it had a subsidiary.

  • December 17, 2025

    Security Co. Loses $1M Coverage Bid For Pa. Bar Attacks

    A Pennsylvania federal court blocked a security company from seeking up to $1 million in coverage for ongoing litigation stemming from violent attacks against two Philadelphia bar patrons, finding the claims fell within an expansive policy exclusion for assault and battery.

  • December 16, 2025

    NC Law Firm Says Insurer Must Cover Helene Biz Losses

    A North Carolina law firm has accused its insurance company of wrongfully denying coverage for business income losses stemming from Hurricane Helene, saying the suspension of operations during and after the storm is covered under its business owners policy.

  • December 15, 2025

    3rd Circ. Revives $4M Coverage Dispute Over Highway Pileups

    The Third Circuit revived a highway construction company's coverage dispute stemming from lawsuits related to two separate vehicle pileups, finding that a policy issued by one of its excess insurers is ambiguous due to the policy's adoption of unclear language in a preceding policy.

  • December 15, 2025

    Insurer Denies Coverage For Car Shop's Customer Suit

    An insurer told a California federal court it had no duty to defend a car conversion business from a suit alleging it wrongfully used a customer's car in advertisements, explaining that the claims did not fall under the specified ad injury coverage.

  • December 12, 2025

    Insurer Seeks To Deny $2.4M Coverage In Harassment Suits

    An insurer told an Iowa federal court it shouldn't have to pay $2.4 million in coverage to a warehouse and its owner for several underlying judgments related to sexual harassment and employment discrimination lawsuits, and that the case belongs in Iowa, according to an amended complaint filed Friday. 

  • December 11, 2025

    Ore. Ski Areas Face High Insurance Costs, Carrier Withdrawal

    Ski areas in Oregon are one of the latest industries to feel the strain of rising liability insurance costs, compounded by one of the state's insurance brokers leaving the market this fall, as operators are forced to weigh passing costs on to patrons as legislative reform stalls, experts told Law360. 

  • December 11, 2025

    Professor Highlights Climate Risks' Threats To Home Values

    Climate perils have depressed home values in some of the riskiest real estate markets as insurers charge homeowners more for coverage to offset the cost of protecting against risks like hurricanes and fires, according to newly updated research. Here, Law360 talks to Philip Mulder, a risk and insurance professor, who updated a study tying insurance costs to climate risks to include more data and information on threats to home values.

  • December 11, 2025

    Life Insurers Exempt From Ill. Genetic Privacy Law, Court Says

    An Illinois state appeals court affirmed the dismissal of a man's suit claiming two State Farm life insurers violated Illinois' genetic information privacy law, finding a section barring the use of genetic protected health information for underwriting purposes does not apply to life insurance companies.

  • December 11, 2025

    Pharmacies Battle For Coverage Of Opioid Lawsuit Claims

    Publix Super Markets and a Georgia-based generic-drug wholesaler urged the Eleventh Circuit on Thursday to force their insurers to defend them in numerous lawsuits accusing the pharmacies of improperly distributing opioids, arguing their policies' coverage for "bodily injury" should include the suits.

  • December 11, 2025

    Insurance Litigation Week In Review

    AMC can seek coverage for a $99.3 million stock settlement with theater chain shareholders, two AIG units needn't cover a firearms retailer accused of contributing to gun violence, and a home insurer must cover a $1 million settlement for injuries a man suffered after taking LSD.

  • December 10, 2025

    Retailer Not Covered In Ghost Gun Suits, 2nd Circ. Affirms

    Two AIG units have no duty to defend or indemnify a Texas-based firearm retailer accused of contributing to gun violence by selling unfinished components used to assemble what are known as ghost guns, the Second Circuit affirmed Wednesday, saying the underlying claims do not allege harm caused by an accident.

  • December 10, 2025

    5th Circ. Reinstates $1M Verdict In LSD Injury Coverage Suit

    A split Fifth Circuit reversed a Texas federal court's decision undoing a jury verdict that put a home insurer on the hook for a $1 million injury settlement between a man who became a quadriplegic after taking LSD and the owners of the home where he ingested the drugs.

  • December 09, 2025

    NJ Drugmaker, Chubb Settle $6.5M Defense Costs Suit

    A New Jersey pharmaceutical company and Chubb have reached a settlement to end a lawsuit alleging the insurer owes nearly $6.5 million in outstanding legal fees stemming from a multibillion-dollar arbitration dispute over the development of a COVID-19 drug, according to a stipulation of dismissal from the companies. 

  • December 09, 2025

    Insurer Needn't Cover $5.8M Naval Base Defect Award

    A general contractor can't recover $5.8 million from a subcontractor's Liberty Mutual insurer for an arbitration award over defective work on a naval base project, a Florida federal court ruled Monday, finding that the insurer had no duty to indemnify either company.

  • December 08, 2025

    Insurer Denies Coverage To Retailers For Kratom Death Suit

    An insurance company is arguing it has no obligation to defend two Washington retail smoke shops facing a lawsuit by a father who claims they sold kratom products that killed his son, telling a federal court that their policies do not cover injuries caused by the sale of products expected to cause injury.

  • December 08, 2025

    Liberty Seeks Excess Insurer Repayment For $21.3M Verdict

    A Berkshire Hathaway unit must cover Liberty Insurance Underwriters Inc.'s portion of a $21.3 million jury award in a personal injury case, Liberty said in a new federal complaint, arguing the unit unreasonably failed to resolve the case before trial despite multiple settlement offers.

  • December 08, 2025

    Insurer Needn't Cover Jewish Group's $7.5M Wire Fraud Claim

    A Jewish nonprofit organization isn't entitled to coverage for a fraudulent $7.5 million wire transfer, a Maryland federal court ruled, finding that its policy's extended reporting period was not active when it submitted the claim due to the start of another insurance program.

  • December 05, 2025

    Man Says Insurer Served Shooting Coverage Suit Too Late

    The father of a mass shooter said his home insurer failed to serve him timely with a suit seeking to avoid coverage for an underlying action brought by the shooting victims and family members of decedents, telling a North Carolina federal court that the claims against him must be tossed.

  • December 04, 2025

    Zillow's Climate Score Removal Sparks Insurance Concerns

    Zillow's recent decision to reduce the visibility of a climate-risk feature attached to its real estate listings highlights a need to provide consumers with more information on a key driver of insurance costs, given differences in climate-risk modeling practices.

  • December 04, 2025

    'Public Policy' Exclusion Raises Red Flags For Insured Attys

    The Pennsylvania Supreme Court heard oral arguments in a coverage dispute over claims that a Philadelphia hotel ignored sex trafficking, drawing the attention of policyholder attorneys who believe the hotel's insurers asked the court to step beyond the bounds of insurance contracts by applying an implicit "public policy" exclusion.

  • December 04, 2025

    Mt. Hawley Nabs Full Win In Citibank Landlord's Coverage Bid

    A New York federal court handed Mt. Hawley Insurance Co. a complete win over a Bronx property owner's claim that the insurer had a duty to defend it from a suit brought by a security guard who tripped in a Citibank parking lot.

Expert Analysis

  • Mich. Ruling Offers View On 'Occurrence' Coverage Definition

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    As demonstrated by a Michigan state court in its recent decision finding per-wound insurance coverage for a school shooting, the amount of coverage available under occurrence-based policies often depends on how courts interpret "occurrence," say attorneys at Hunton.

  • Identifying Deepfakes During Evidence Collection, Discovery

    Excerpt from Practical Guidance
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    Attorneys must familiarize themselves with the tools used to create and detect deepfakes — media manipulated by artificial intelligence to convincingly mimic real people and events — as well as best practices for keeping this fabricated evidence out of court, says Bijan Ghom at Saxton & Stump.

  • 1 Year After Rule 702 Changes, Courts Have Made Progress

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    In the year since amendments to the Federal Rules of Evidence went into effect, many federal judges have applied the new expert witness standard correctly, excluding unreliable testimony from their courts — but now state courts need to update their own rules accordingly, says Lee Mickus at Evans Fears.

  • An Underutilized Tool To Dismiss Meritless Claims In Texas

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    In Texas, special appearances provide a useful but often overlooked tool for out-of-state defendants to escape meritless claims early in litigation, thus limiting discovery and creating a pathway for immediate appellate review, say attorneys at Winston & Strawn.

  • How Texas Bill Would Transform Noneconomic Damages

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    Large noneconomic damage awards in personal injury cases have grown exponentially in Texas in recent years, but newly introduced legislation would cap such damages, likely requiring both the plaintiff and defense bars to recalibrate their litigation strategies, say attorneys at Norton Rose.

  • 4 Holiday Movies Full Of Cheer And Subrogation Scenarios

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    While holiday movies are known for spreading cheer and inspiring nostalgia, for insurance professionals they may also offer an unlikely, yet fascinating, look at subrogation recovery potential, says Dana Meyers at Cozen O'Connor.

  • California's New AV Law May Steer Policy Nationwide

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    California's new law establishing various requirements for autonomous vehicles is something other states should pay close attention to — especially because the Golden State's policies may become a de facto mandate for manufacturers due to its market size, says Vineet Dubey at Custodio Dubey.

  • How Attorneys Can Master The Art Of Eye Contact At Trial

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    As a growing body of research confirms that eye contact facilitates communication and influences others, attorneys should follow a few pointers to maximize the power of eye contact during voir dire, witness preparation, direct examination and cross-examination, says trial consultant Noelle Nelson.

  • Hawaii Climate Insurance Case Is Good News For Energy Cos.

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    The Hawaii Supreme Court's recent ruling in a dispute between an oil company and its insurers, holding that reckless conduct in the context of activities that can cause climate harms is covered by liability policies, will likely be viewed by energy companies as a positive development, say attorneys at Fenchurch Law.

  • Teaching Your Witness To Beat The Freeze/Appease Response

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    In addition to fight-or-flight, witnesses may experience the freeze/appease response at trial or deposition — where they become a deer in headlights, agreeing with opposing counsel’s questions and damaging their credibility in the process — but certain strategies can help, says Bill Kanasky at Courtroom Sciences.

  • What Insurers Need To Know About OFAC's Expanded FAQs

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    The Office of Foreign Assets Control's recently expanded insurance FAQs clarify how OFAC views insurance policies in a number of specific circumstances involving sanctioned parties, and make plain that sanctions compliance is the responsibility of all participants in the insurance ecosystem, including underwriters, brokers and agents, say attorneys at Morgan Lewis.

  • Nevada Justices Could Expand Scope Of Subrogation Claims

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    The Nevada Supreme Court's recent decision to hear North River Insurance v. James River Insurance could expand the scope of equitable subrogation claims in the state by aligning with the California standard, which doesn't require excess insurers to demonstrate damages, says Daniel Heidtke at Duane Morris.

  • 8 Tech Tips For Stress-Free Remote Depositions

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    Court reporter Kelly D’Amico shares practical strategies for attorneys to conduct remote depositions with ease and troubleshoot any issues that arise, as it seems deposition-by-Zoom is here to stay after the pandemic.