General Liability

  • 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.

  • December 04, 2025

    Insurance Litigation Week In Review

    The Eleventh Circuit said a State Farm unit doesn’t owe $1 million for a gas station shooting, a California federal court gave its final sign-off to a $4 million settlement between Allstate and home insurance policyholders and a Massachusetts federal court certified a class of Liberty Mutual policyholders. Here, Law360 takes a look at the past week's top insurance news.

  • December 04, 2025

    Mortgage Insurer Inks $650K Deal To End ERISA Suit

    A mortgage insurance company has agreed to pay $650,000 to close a worker's proposed class action filed in North Carolina federal court claiming its mismanagement of an employee retirement profit sharing plan caused a $1.3 million loss.

  • December 03, 2025

    Allstate Files RICO Suit Over Fla. Clinic's 'Exorbitant Charges'

    Allstate hit a Florida medical practice and its owner with a Racketeer Influenced and Corrupt Organizations Act complaint alleging the owner ran an insurance billing scheme for pain management care in violation of permanent restrictions on his medical license.

  • December 03, 2025

    Cos. Owe $946K For Grain System Collapse, Insurer Says

    Companies hired to construct a grain drying, handling and storage facility on a Mississippi farm are responsible for more than $946,000 in damage caused by the system's collapse, the farm operator's insurer told a federal court Wednesday, saying the system failed to perform as represented and warranted.

  • December 02, 2025

    Drivers Get Class Cert. In Liberty Mutual Rental Coverage Suit

    A Massachusetts federal judge on Tuesday granted class certification to a group of auto drivers alleging that a Liberty Mutual subsidiary prematurely terminated car rental coverage, but denied the group's request to pursue its claims for classwide, injunctive relief. 

  • December 01, 2025

    AM Best Says US Home Insurance Market Outlook Is 'Stable'

    The U.S. homeowners insurance market is benefiting from a combination of moderating premium growth, reinsurance market stabilization and improved catastrophe risk management practices, global credit rating agency AM Best said Monday, upgrading the outlook for homeowner insurers to "stable" from "negative."

  • December 01, 2025

    Chancery Sets Standard In Scottish Re Case

    The Delaware Chancery Court has signed off on the framework that will govern how scores of insurers press claims in the liquidation of Scottish Re (U.S.) Inc., issuing an opinion to spell out when courts must defer to the state insurance commissioner and when they must step in.

  • December 01, 2025

    Travelers Asks Texas Court To Allocate $11M Auto Coverage

    The Travelers Indemnity Company of America asked a Texas federal court Monday to divvy up $11 million in insurance policy limits to relieve the insurer and the energy company it insured from wrongful death lawsuits following a fatal car crash involving a driver for the company.

  • December 01, 2025

    Mich. Law Firm's Misrepresentation Voids Policy, Insurer Says

    An insurer asked a Michigan federal court to rescind and void a law firm's professional liability policy, saying the firm failed to disclose a potential malpractice claim arising out of its representation of the owner of medical services companies in a racketeering lawsuit and related whistleblower action.

  • November 26, 2025

    11th Circ. Says State Farm Doesn't Owe $1M For Shooting

    The Eleventh Circuit reversed a lower court ruling in an unpublished opinion that ordered State Farm to cover a $1.13 million judgment against a gas station owner by an employee who was shot on the premises, saying that an employer's liability exclusion bars coverage.

Expert Analysis

  • Top Considerations For Insurance Companies In 2025

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    As insurance industry participants look to plan for the year, regulatory changes, climate-related challenges, the ongoing effects of social inflation and the potential for significant mergers and acquisitions will be among the key items for insurer boards and management to have on their radar, say attorneys at Debevoise.

  • What Public View Of CEO's Killing Means For Corporate Trials

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    Given the proliferation of anti-corporate sentiments following recent charges against Luigi Mangione in connection with the killing of UnitedHealthcare's CEO, attorneys who represent corporate clients and executives will need to adapt their trial strategy to account for juror anger, says Clint Townson at Townson Litigation Consulting.

  • The 7th Circ.'s Top 10 Civil Opinions Of 2024

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    Attorneys at Jenner & Block examine the most significant decisions issued by the Seventh Circuit in 2024, and explain how they may affect issues related to mass arbitration, consumer fraud, class certification and more.

  • Insurance Considerations For LA Wildfire Recovery

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    Businesses and homeowners affected by the destructive Southern California wildfires must act swiftly and strategically to navigate the complexities of the insurance recovery process, including by identifying all applicable policies, documenting damage thoroughly and keeping abreast of relevant state law, say attorneys at Morgan Lewis.

  • Artfully Conceding Liability Can Offer Defendants 3 Benefits

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    In the rare case that a company makes the strategic decision to admit liability, it’s important to do so clearly and consistently in order to benefit from the various forms of armor that come from an honest acknowledgment, says Ken Broda-Bahm at Persuasion Strategies.

  • What Insurers Should Know About AI Use In Litigation

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    As the use of artificial intelligence in litigation evolves, insurers should note standing court orders, instances of judges utilizing AI to determine policy definitions and the application of evidentiary standards to expert evidence that incorporates AI, says Sarah Abrams at Baleen Specialty.

  • 5 Litigation Funding Trends To Note In 2025

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    Lawyers and their clients must be prepared to navigate an evolving litigation funding market in 2025, made more complicated by a new administration and the increasing overall cost of litigation, says Jeffery Lula at GLS Capital.

  • Rethinking Litigation Risk And What It Really Means To Win

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    Attorneys have a tendency to overestimate litigation risk before summary judgment and underestimate risk after it, but an eight-stage litigation framework can clarify risk at different points and help litigators reassess what true success looks like in any particular case, says Joshua Libling at Arcadia Finance.

  • A Federal Insurance Mandate For Private Aviation Is Overdue

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    A recent private plane crash in California that killed two people and injured 19 others spotlights the dangers of such occurrences — and serves as a reminder that because there is no federal requirement for general aviation pilots to carry insurance, the victims of these accidents are often unable to obtain fair compensation, says Timothy Loranger at Wisner Baum.

  • 6 Predictions For Cyber Risk And Insurance In 2025

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    This year is likely to bring with it some thorny and expensive cyber challenges, including increased ransomware activity, more data breach class actions and continued efforts to define business interruption loss calculations, say attorneys at Wiley.

  • Defense Strategies For Addressing Conspiracy-Minded Jurors

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    As conspiracy theories continue to proliferate and gain traction in the U.S., defense attorneys will need to consider ways to keep conspiracy-minded jurors from sitting on the jury, and to persuade them when this isn’t possible, say consultants at IMS Legal Strategies.

  • Surprise NC COVID Ruling Revises Reasonable Expectations

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    The North Carolina Supreme Court's recent finding in favor of policyholders in a suit for business interruption coverage due to COVID-19 shutdown orders runs contrary to most other state and federal courts' holdings on the issue, and may revitalize the reasonable expectations doctrine in the state, say attorneys at Goldberg Segalla.

  • How Trial Attys Can Wield Amended Federal Evidence Rules

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    Trial lawyers should assess recent amendments to four Federal Rules of Evidence and a newly enacted rule on illustrative aids to determine how to best use the rules to enhance pretrial discovery and trial strategy, says Stewart Edelstein, former litigation chair at Cohen & Wolf.