Commercial General Liability
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Editors' Favorite Commercial Questions 2023
December 19, 2023 | Questions and Answers
A collection of favorite commercial lines questions selected by the editors for 2023.
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What's the Difference Between Extra Expense Insurance and Business Income Coverage?
November 27, 2023 | Policy Analysis
This document provides a detailed analysis of the Extra Expense Coverage Form, as contrased with Business Income Coverage.
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Insurance Issues in Our New Gig Economy
November 14, 2023 | Coverage Analysis
Non-standard or gig work consists of income-earning activities outside the standard, long-term employer-employee relationships that previously dominated the employment landscape. Gig workers are generally compensated as 1099 independent contractors and have control to set their own schedules.
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Plaintiffs Want to Consolidate Allstate Policy Coverage Reduction Change MDL
November 14, 2023 | Case Law Analysis|Coverage Analysis
"It is about Allstate's statewide unlawful and fraudulent underwriting practices vis-à-vis modifying its insureds' policies without requisite notice, and ultimately, how these modifications negatively impacted its insureds' rights to recovery," attorney Jason Palker said.
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Insurance Coverage Q&A: Power Outage and Spoilage
November 14, 2023 | Questions and Answers
Power outage, spoilage, and related endorsements.
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Insurer of Astroworld Vendor Seeks $3.5M Against Festival Organizers
November 07, 2023 | Case Law Analysis
"Federal has paid Fuse $2,936,944 for damage to personal property ... though the adjustment is not nearly complete at this time and this number is expected to reach in excess of $3.5 million," the complaint states.
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Third Circuit Finds Plaintiff's Injuries Not the Result of Bus's Use As a Vehicle
October 30, 2023 | Case Law Analysis
TW: sexual assault. An insurer claimed it did not have to cover an insured bus company because there was only an incidental connection between the victim's injuries and the bus's use as a vehicle.
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Insurers, Commercial Policyholders Anxiously Await Ohio Indemnification Ruling in Lead Paint Case
October 27, 2023 | Developments
"My amici clients, who are manufacturers, are concerned about whether manufacturers will receive the tort liability insurance coverage that they paid substantial premium for and that they expected," said Sherilyn Pastor, an insurance recovery partner at McCarter & English in Newark, New Jersey, who authored the amicus brief on behalf of the Product Liability Council and the National Association of Manufacturers.
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Eastern District Holds That Insurer Had No Duty to Defend Based On Policy Exclusion
September 28, 2023 | Case Law Analysis
Recently, the Eastern District of New York granted summary judgment to an insurer, holding that the insurer had no duty to defend based on the terms of an exclusion in the policy. This decision highlights how, where the facts plainly fall within a clearly-drafted exclusion, courts will not hesitate to enforce the exclusion as written.
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Pa. Supreme Court Evaluates Punitive Damages Exposure In Insurance Bad Faith Cases
September 28, 2023 | Case Law Analysis
While it is well known that an insured has a clear and convincing standard of proving bad faith in order to recover such damages, it is lesser recognized that an insured does not have to prove outrageous conduct or evil motive to prove entitlement to punitive damages.