Property
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August 07, 2025
Judge Says Flood Exclusion Sinks Storm Coverage Suit
A jewelry store's property insurer owes no coverage over claims for rainstorm damage, a Michigan federal court ruled Thursday, finding an exclusion barring coverage from water overflow due to floods was applicable.
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August 07, 2025
Insurance Litigation Week In Review
The Archdiocese of New York demanded disclosure of reinsurance policies in a discovery-related appeal amid underlying sex abuse litigation, Zurich was accused of putting both its interests ahead of another insured's, a Georgia poultry producer sued for data breach coverage and an insurer sought to avoid covering racketeering claims.
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August 07, 2025
Smoke Taint Evidence Complicates Recovery For Wineries
Recent widespread fires in and around California's wine-producing regions, which produce a vast majority of the nation's wine, have spurred concern from policyholders and public officials over how wineries can seek coverage for smoke tainting their products. Victor Jacobellis, an insurance recovery attorney at Merlin Law Group, spoke to Law360 about the implications of smoke taint as well as a Senate bill that could provide a baseline standard for measuring it.
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August 07, 2025
Minn. Cyberattack Brings Cities' Cyber Policies Into Focus
A recent cyberattack against St. Paul, Minnesota, highlights the importance of cyber coverage for cities and counties, with the caveat that financial vitality, state and federal laws, and third parties retained for incident response can impact a municipality’s amount of coverage and the ways in which it can respond, Reed Smith LLP partner J. Andrew Moss told Law360.
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August 07, 2025
Insurer Says Conviction Bars Coverage For Police Injury Suit
An insurer has no duty to defend or indemnify a man facing a civil claim of negligently blinding a Los Angeles police officer with a laser, it told a California federal court, saying the man's criminal conviction for assault means his conduct was intentional and therefore not covered.
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August 06, 2025
Insurer Can't Escape La. Church's $5M Hurricane Ida Suit
An insurer can't escape a Louisiana church's suit seeking nearly $5 million in coverage for claimed Hurricane Ida damage, a federal court ruled Wednesday, rejecting the insurer's contention that the church breached the policy's cooperation requirement and failed to provide timely proof of loss.
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August 06, 2025
COST Asks Mich. Justices To OK Nationwide's Unitary Tax Win
The Council on State Taxation backed entities of Nationwide in the Michigan Supreme Court on Wednesday, saying the justices should affirm an appellate court's decision that said the insurance company's affiliates are entitled to file their taxes as a combined group of businesses.
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August 06, 2025
Ceramics Co. Seeks Biz Interruption Coverage Over Hurricane
A ceramics and home goods retailer accused a Travelers unit of violating North Carolina's unfair claims settlement practices and deceptive trade practices laws, telling a federal court the insurer deliberately misrepresented statements from its chief financial officer to support its denial of the retailer's Hurricane Helene claim.
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August 05, 2025
Homeowners Policy Doesn't Cover Shooting, 6th Circ. Says
State Farm has no duty to defend or indemnify a man facing wrongful death claims after he unintentionally shot and killed a woman in a domestic dispute, the Sixth Circuit affirmed Tuesday, finding that his intentional gunshots still created a foreseeable risk of harm and thus weren't an insurable accident.
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August 05, 2025
Insurer Must Turn Over Adjuster Docs In Hotel's Fire Loss Suit
A hotel owner's insurer must turn over certain documents relating to the disciplinary history, compensation and qualifications of certain claims adjusters, an Idaho federal court ruled after the owner accused the insurer of intentionally delaying the resolution of its fire loss claim.
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August 05, 2025
Property Co. Sues Zurich Over Music Video Shooting Defense
Zurich failed to adequately defend claims over a shooting that occurred during the filming of a music video for rapper Lil Baby, an Atlanta property owner told a Georgia federal court, saying it's entitled to retain independent counsel at the insurer's expense due to an ongoing conflict of interest.
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August 05, 2025
States Win Ruling To Shield FEMA Disaster Prevention Funds
A Massachusetts federal judge on Tuesday temporarily barred the Trump administration from redirecting more than $4 billion in funds allocated by Congress for natural disaster mitigation efforts toward other Federal Emergency Management Agency programs.
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August 04, 2025
Title Insurer Faces Partial Loss In $26M Loan Dispute
A lender's title insurer breached its duty to defend mechanic's lien lawsuits from subcontractors after a senior living community owner defaulted on its nearly $26 million construction loan, a Colorado federal court ruled, adding that the insurer had to indemnify certain amounts of the general contractor's lien claim, too.
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August 01, 2025
Most Of Property Co.'s Hailstorm Insurance Fight Tossed
A property investment company can raise nearly none of its claims against its insurer for hailstorm damage from 2019 and 2023, a North Carolina federal court ruled, finding that because claims concerning the 2019 storm are time-barred, those corresponding documents can't support much of the 2023 claims.
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July 31, 2025
CGL Cases To Watch In The Second Half Of 2025
Federal and state courts continue to weigh litigation involving public nuisance, long-tail environmental and sexual abuse claims. Here, Law360 breaks down some of the blockbuster commercial general liability insurance cases to follow in the second half of the year.
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July 31, 2025
10th Circ. Says Water Exclusion Bars Co.'s $1.75M Loss
A Kansas office building's property insurer has no duty to provide coverage for roughly $1.75 million in repairs over a broken water pipe, the Tenth Circuit ruled, rejecting the building owner's argument that an exception in one exclusion conflicted with a separate exclusion for water damage.
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July 31, 2025
Insurer Avoids Businesses' COVID-19 Coverage Claims
A property insurer for numerous restaurants, bars and other small businesses owes no coverage for their consolidated business interruption claims related to the COVID-19 pandemic, an Illinois federal court ruled, looking to the laws of Illinois, Michigan, Wisconsin, Indiana, Iowa, Minnesota and Tennessee.
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July 31, 2025
Judge Questions Gov't Objection To Shielding FEMA Funds
A Massachusetts federal judge Thursday questioned the Trump administration's assertion that it has not redirected funds allocated by Congress for natural disaster mitigation efforts toward other Federal Emergency Management Agency programs, even as the government was objecting to states' narrow request to protect the funds for now.
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July 31, 2025
Insurance Litigation Week In Review
State Farm must pay over $54.6 million in vehicle valuation class actions, an AIG unit doesn't owe coverage for an herbicide damage dispute, Allianz must provide coverage for a hot air balloon company's passenger crash suits, and an RV park can proceed with a suit against its insurance broker. Here, Law360 takes a look at the past week's top insurance news.
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July 30, 2025
State Farm Ordered To Pay $54.6M Over Vehicle Valuations
State Farm must pay more than $54.6 million across two class actions for underpaying the value of totaled vehicles via a "typical negotiation" deduction, a Washington federal court ruled, noting the plaintiffs provided "undisputed" evidence that State Farm violated the state's Consumer Protection Act.
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July 30, 2025
Davis Polk, King & Spalding Build $2.35B AccuLynx Sale
Data analytics and technology company Verisk, advised by Davis Polk & Wardwell LLP, on Wednesday announced plans to acquire software-as-a-service company AccuLynx, led by King & Spalding LLP, in a $2.35 billion cash deal.
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July 30, 2025
Wash. Condo Group Seeks $10M In Water Damage Coverage
A condominium association said its Country Financial insurers must provide coverage for an estimated $10.4 million in hidden water damage, telling a Washington federal court the insurers have failed to make a coverage determination in the two years since the association submitted its damage claim.
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July 29, 2025
Insurer Says Misrepresentations Void Real Estate Co.'s Policy
Material misrepresentations in a commercial real estate firm's insurance renewal application mean the insurer has no duty to defend the firm or a former director against a $6.5 million claim related to the sale of a client's properties, the insurer told an Indiana federal court.
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July 28, 2025
Electrolux Range's Defect Led To Fire, Insurer Tells Court
Three Electrolux companies manufactured ranges with a foreseeable defect that allowed the products to unintentionally activate, a property insurer told a Connecticut federal court as it sought to recover the claim payout for a homeowner's kitchen fire.
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July 28, 2025
Insurer Must Cover Runoff Settlement, Auto Co. Says
An automobile auction company told a Texas federal court that a Liberty Mutual unit must indemnify a settlement reached over underlying claims that the company caused storm water runoff in neighboring properties when it cleared several parcels of land for car and machinery storage.

Top Property Insurance Decisions So Far In 2025
A U.K. decision over coverage for Russian-seized aircraft and a Second Circuit ruling in favor of international insurers seeking to arbitrate hurricane damage claims are among some of the biggest decisions in the property insurance space so far in 2025.

Renewed Bid For National Reinsurer May Not Rein In Costs
A revamped legislative proposal to create a national reinsurer would significantly change the federal government's role in insurance markets, but experts say it's not clear that the program would effectively address insurance cost and availability issues.

Top Legal Developments That Could Impact LA Fire Aftermath
While the full consequences of a series of devastating wildfires that struck Los Angeles in January are still becoming clear, insurance experts and attorneys have pointed to a series of lawsuits and decisions as having important implications for the city's recovery.
Expert Analysis
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11 Essential Questions When Reviewing Hurricane Insurance
As we approach peak hurricane season, business owners must understand critical coverage elements, policy limitations and claim procedures of their commercial property hurricane insurance policies to protect their operations effectively, says Carlton Wilde at Bracewell LLP.
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Utilizing Rep And Warranties Insurance In CRE Transactions
With insurance and commercial real estate legal trends suggesting that representations and warranties insurance is likely to grow substantially in the next several years, CRE buyers and sellers should learn how such insurance can help resolve conflicting positions during transaction negotiations, say attorneys at Troutman.
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How Courts Are Addressing The Use Of AI In Discovery
In recent months, several courts have issued opinions on handling discovery issues involving artificial intelligence, which collectively offer useful insights on integrating AI into discovery and protecting work product in connection with AI prompts and outputs, says Philip Favro at Favro Law.
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How Property Insurers Serve As Climate Change Harbingers
Thomas Dawson at McDermott discusses the role that U.S. property insurers may play in identifying and assessing climate risk, as well as in financing climate change adaptation projects, in light of global warming and shifting geopolitical realities.
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How NY Appeals Ruling Alters Employers' Sex Abuse Liability
In Nellenback v. Madison County, the New York Court of Appeals arguably reset the evidentiary threshold in sexual abuse cases involving employer liability, countering lower court decisions that allowed evidence of the length of the undiscovered abuse to substitute as notice of an employee's dangerous propensity, say attorneys at Hurwitz Fine.
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What Calif. Insurance Ruling Means For Smoke Damage Limits
As California continues to grapple with an increasing number of wildfire claims, a state court's recent Aliff v. California FAIR Plan decision serves as a clear directive to insurers that policy language that narrows the scope of fire coverage below the California Insurance Code's minimum standards is impermissible, say attorneys at Wood Smith.
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Juries Are Key In Protecting The Rule Of Law
Absent from the recent discourse about U.S. rule of law is the crucial role of impartial jurors in protecting the equitable administration of justice, and attorneys and judges should take affirmative steps to reverse the yearslong decline of jury trials at this critical moment, says consultant Clint Townson.
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How To Strengthen A Case By Mastering Expert Witness Prep
A well-prepared expert witness can bolster a case's credibility with persuasive qualifications, compelling voir dire responses and concise testimony that can withstand cross-examination, says Allison Rocker at Baker McKenzie.
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Tesla's Robotaxi Push Exposes Gaps In Product Liability Law
As Tesla's deployment of robotaxis on public roads in Austin, Texas, faces regulatory scrutiny and legislative pushback, the legal community confronts an unprecedented challenge: how to apply traditional fault principles, product liability laws and insurance practices to vehicles that operate as rolling computers, says Don Fountain at Clark Fountain.
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8 Insurer Takeaways From Sweeping Georgia Tort Reform
Insurers should take note of several critical components of Georgia's tort litigation overhaul — including limitations on damages anchoring, procedural rules governing dismissals, and liability standards in negligent security cases — and adapt claims-handling strategies to reduce litigation risk, says Lucy Aquino at Cozen O'Connor.
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3 Juror Psychology Principles For Expert Witness Testimony
Expert witnesses can sometimes fall into traps when trying to teach juries complex topics by failing to consider the psychology of juror comprehension, but attorneys can help witnesses avoid these pitfalls with a deeper understanding of cognitive lag, chunking and learning styles, says Steve Wood at Courtroom Sciences.
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State Farm Rate Hike Portends Intensifying Insurance Crisis
The California Department of Insurance's unprecedented emergency approval of a 17% rate increase for State Farm General Insurance, the first interim rate relief granted before completing full actuarial justification, represents a regulatory watershed and establishes precedent that could fundamentally reshape insurers' response to climate-driven market instability, says Daniel Veroff at Merlin Law Group.
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3 Corporate Deposition Prep Tips To Counter 'Reptile' Tactics
With plaintiffs counsel’s rising use of reptile strategies that seek to activate jurors' survival instincts, corporate deponents face an increased risk of being lulled into providing testimony that undercuts a key defense or sets up the plaintiff's case strategy at trial, making it important to consider factors like cross-examination and timing, say attorneys at Dentons.