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While COVID-19 dominated the insurance coverage landscape in 2021, it was not the only subject of significant decisions in the insurance space. Directors and Officers coverage (“D&O”) and cyber insurance continued to make headlines while other coverage lines left the industry questioning what is to come in 2022. We highlight a few of the most impactful trends and cases in this 2021 review, and we look forward to what 2022 may deliver in the world of insurance coverage.…
Continue Reading Year in Review: Top Insurance Cases of 2021

Even an insurance practitioner’s grandmother would agree that an omitted comma can have dire consequences: compare “Let’s eat grandma with “Let’s eat, grandma.”  Yet, to the possible dismay of grammar purists and grandmothers, alike, and despite acknowledging that “the placement (or omission) of one comma can make the difference,” a federal court recently found that an omitted comma in an insurance policy provision had no impact on the policy’s meaning.…
Continue Reading Grammatical Imprecision Continues to Fuel Coverage Disputes

As governments lift COVID-19 lockdown restrictions and economies begin to reopen, consumer demand for products has skyrocketed. Amid the spike in demand, businesses are struggling to meet consumers’ needs due to ongoing global supply chain disruption. The disruption stems from many factors, including the lingering effects of COVID-19 mitigation strategies that slashed the production of goods, as well as a shortage of warehouse workers and truck drivers. Insurance is a key component of supply chain risk management. Policyholders who rely on a supply chain can use insurance to protect against supply chain risks. Here, we explore supply chain risks and how insurance can mitigate those risks.…
Continue Reading As Global Supply Chain Risks Continue to Grow, Policyholders Need a Strategy in the Event of a Loss

The Seventh Circuit has reversed a lower court’s decision to dismiss a lawsuit against Federal Insurance Company and a health insurance technology company for unauthorized robocalls soliciting the sale of health insurance. The court emphasized that the complaint, which alleged the two companies were vicariously liable for the calls, pled sufficient detail to move forward.…
Continue Reading Robocalling Suit Against Insurer Survives and Illustrates Proper Application of Federal Pleading Standards

Not surprisingly, COVID-19 business interruption insurance disputes dominated media headlines for most of 2020. Nonetheless, there were a number of other insurance rulings that will undoubtedly shape the coverage landscape. Policyholders enjoyed a number of significant wins including significant victories related to COVID-19 business interruption cases. The start of a new year gives us an…

On May 26, 2020, a California Court of Appeals (4th District) issued its decision in Mosley et al. v. Pacific Specialty Ins. Co.  The case arose in the context of a marijuana-growing tenant who rerouted a home’s electrical system and caused an electrical fire.  The issue was whether the homeowner’s policy covered the loss.  The trial court granted the insurer’s motion for summary judgment and, in a divided decision, the Court of Appeals reversed in part.
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Continue Reading California Appellate Court Holds “Minimal Causal Connection” Satisfies Causation Requirement in All Risk Policies

Hunton Andrews Kurth LLP is proud to announce that associate Latosha Ellis is running for Secretary of the Women’s Bar Association of DC! We strongly support Latosha’s campaign and encourage you to vote for your favorite candidate via the email ballot circulated to all current members in good standing. If you did not receive a ballot or need to check your membership status, contact admin@wbadc.org. Polls close on April 10th so cast your votes today!
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Continue Reading Vote for Insurance Recovery Associate Latosha Ellis for Secretary of the Women’s Bar Association of DC!

Recent reports of another social engineering scam, this time at a North Carolina public school system, demonstrates why public entities and companies, alike, need to regularly review their cyber vulnerabilities and potential exposures and ensure that their cyber insurance is properly tailored for their specific risks.
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Continue Reading Public School System’s $2.5 Million Email Scam Underscores the Need for Regular Policy Reviews