Worldwide: Insurance Laws and Products

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Insurance law and insurance regulation thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics such as reinsurance, insurance law and insurance products.
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Managing Construction Risk Through Contracts, Insurance And Early ADR
Commercial and residential construction projects expose property owners and general contractors to significant risks arising from personal injury, property damage and construction defect claims. Contract documents can help allocate those risks to the responsible parties, while insurance can protect against losses that cannot be avoided or fully transferred. Common risk management tools include contractual indemnity, prevailing-party attorneys’ fees provisions, insurance requirements and early alternative dispute resolution (ADR) clauses.
United States Litigation
J
JAMS
Article
Insured’s Failure To Give Prompt Notice And Pre-Notice Alteration Of Damaged Property Held To Bar Coverage As A Matter Of Law
A United States federal district court has ruled that a property insured's six-week delay in reporting water damage—during which the insured demolished and repaired the affected area—constituted a breach of the policy's prompt notice condition. The decision examines whether an insurer can be held prejudiced when post-repair expert analysis remains possible, and whether an insurer's investigation of a claim constitutes waiver of late notice defenses.
United States Insurance
AA
Adams & Adams
Article
When Is An Insured Entitled To Independent Legal Representation At The Insurer’s Expense? Lessons From A US Court.
When a liability insurer defends an insured under a reservation of rights, does a conflict of interest arise if the factual issues in the underlying litigation are the same facts that determine coverage availability? The Minnesota Court of Appeals addressed this critical question in a case involving a construction zone accident, establishing when insurers must fund independent counsel for their insureds.
United States Insurance
AA
Adams & Adams
Article
What's Professional, Doc?
Two Georgia employees allegedly misappropriated trade secrets and proprietary software to launch a competing insurance brokerage, prompting their former employer to sue. When their professional liability insurer denied coverage, a critical question emerged: what types of actions by an insured actually constitute "professional services" under Georgia law, and does establishing a rival business using stolen confidential information fall within that definition?
United States Insurance
HK
Holland & Knight
Article
NJ Supreme Court: Insurance Brokers, Producers, And Agents Not Exempt From Consumer Fraud Act, Casts Doubt On "Learned Professional" Exemption
The New Jersey Supreme Court's unanimous decision in Lowe v. Audet removes insurance brokers, producers, and agents from the Consumer Fraud Act's "learned professional" exemption, exposing them to treble damages and attorney's fees under one of the nation's strongest consumer protection laws. The ruling's implications extend far beyond insurance, as the Court expressed serious doubts about the exemption's foundation and invited legislative clarification while warning that it will consider direct challenges
United States Consumer
DM
Duane Morris LLP
Article
Same Louisiana Oilfield Indemnity Ban, New Insurance Path: Are Your Contracts Ready?
Louisiana's Oilfield Anti-Indemnity Act undergoes significant changes starting August 1, 2026, introducing a formal statutory process for obtaining additional insured coverage in oilfield agreements. The amendments establish specific procedural requirements including written requests, premium quotes, and direct payments, while maintaining the Act's prohibition against indemnifying parties for their own negligence. Oilfield operators, contractors, and insurers must understand how these new requirements will
United States Energy
Aa
Adams and Reese
Article
What To Do After A Car Accident In New Jersey: Important Steps
Getting into a car accident can be overwhelming and stressful, leaving you unsure of what steps to take next. Understanding the proper procedures to follow after a collision in New Jersey—from prioritizing safety and documenting the scene to navigating the state's no-fault insurance system—can protect both your health and your legal rights while strengthening any potential compensation claim.
United States Litigation
WG
Wilentz, Goldman & Spitzer
Article
Freight Brokers Face Escalating Exposure Following Landmark $604 Million Verdict
A Texas jury has returned a $604 million verdict against freight broker C.H. Robinson following a fatal 2021 trucking accident, finding the broker 23% liable despite the carrier holding a "Satisfactory" FMCSA safety rating. This landmark decision, arriving months after the Supreme Court's Montgomery ruling eliminated federal preemption defenses, signals a fundamental shift in broker liability exposure and raises critical questions about whether standard carrier vetting procedures remain legally sufficient i
United States Transport
LB
Lewis Brisbois Bisgaard & Smith LLP
Article
Illinois Enforces Plain Meaning Of Title Insurance Policy Exception For City Alley Rights
A federal court in Illinois ruled that a title insurance policy exception for city alley rights unambiguously barred coverage when the City of Chicago claimed ownership of a portion of insured property. The decision clarifies that specific Schedule B exceptions cannot be overridden by general exceptions endorsements and that the term "rights" encompasses all property interests, whether recorded or unrecorded.
United States Insurance
RD
Riker Danzig LLP
Article
The Sixth Circuit Sides With Smucker On The Number Of “Occurrences”
The Sixth Circuit affirmed summary judgment for J.M. Smucker Company in a dispute over how many insurance retained limits applied to thousands of claims from a 2022 peanut-butter salmonella recall. ACE American Insurance argued each claimant's exposure was a separate occurrence, potentially requiring Smucker to satisfy up to $112.5 million in retained limits, while Smucker contended the contamination constituted a single occurrence under Ohio law's cause test.
United States Insurance
N
Nossaman LLP
Article
New Jersey Federal Court Finds Pollution Liability Coverage Potentially Available Despite Missing Schedule of Insured Locations
A federal district court in New Jersey addressed whether an insurer could deny pollution liability coverage based on a missing Schedule of Insured Property endorsement, despite the policy declarations indicating the coverage had been purchased. The decision also examined notice requirements under a follow-form excess policy and whether factual disputes precluded summary judgment on the insurer's rescission counterclaim based on alleged application misrepresentations.
United States Insurance
WR
Wiley Rein
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