United States: Insurance Laws and Products

In Nargizyan v. State Farm General Insurance Co., 120 Cal. App. 5th 581 (May 14, 2026), the Second District of the California Court of Appeal reversed summary judgment for State Farm General Insurance Company (“State Farm”)...

A Ninth Circuit Court of Appeals decision examines whether a $9 million annual aggregate limit in umbrella insurance policies applies to property damage claims arising from long-term groundwater pollution at California's Chino Airport.

The California Fourth District Court of Appeal addressed whether an additional insured can maintain a cross-complaint for breach of contract against both a named insured and its insurer within a pending personal injury action.

The Delaware Superior Court, applying Delaware law, held that a public offering exclusion does not bar coverage for a de-SPAC merger because the transaction did not constitute a public offering of the insured ...

C.R.S. § 10-3-1118 (the Statute) is a fairly new statute governing an insurer’s right to assert an insured’s failure-to-cooperate as a defense to certain claims made against it. The statute was enacted in 2020 and sets out prerequisites for an insurer’s use of a failure-to-cooperate defense.

In 2023, Texas enacted sweeping reforms to its judicial system by creating a specialized business court structure designed to handle complex commercial disputes. The reform established the Texas Business Courts as specialized trial courts and created a new appellate body—the Fifteenth Court of Appeals—to hear appeals from those cases

This monthly newsletter examines pivotal developments in product liability and mass tort litigation, including the Sixth Circuit's landmark reversal of class certification that rejected formulaic damages models, FDA's dual approach to AI regulation in pharmaceutical manufacturing and clinical trials, and the Supreme Court's expansive interpretation of federal officer removal jurisdiction.

New York Governor Kathy Hochul has signed sweeping tort reform legislation that fundamentally changes how motor vehicle accident cases will be litigated in state courts. The reforms introduce comparative fault limitations, eliminate a key category of "serious injury" claims, and cap damages for plaintiffs engaged in illegal conduct at the time of accidents. These changes promise to significantly impact settlement negotiations, summary judgment motions, and trial outcomes for defendants in thousands of cases

The IRS has released Revenue Procedure 2026-24, establishing new inflation-adjusted limits for Health Savings Accounts and high-deductible health plans effective in 2027. These updates include increased contribution limits, higher minimum deductibles, and expanded out-of-pocket maximums, along with new provisions for direct primary care service arrangements under the One, Big, Beautiful Bill Act. How will these changes impact employee benefit planning and healthcare coverage strategies?