• Word of Life Church v. State Farm Lloyds

    Word of Life Church v. State Farm Lloyds Click Here for FC&S Legal Expert Analysis   Word of Life Church v. State Farm Lloyds United States Court of Appeals for the Fifth Circuit March 22, 2019, Filed No. 18-50108 WORD OF LIFE CHURCH OF EL PASO ; TOM BROWN, Plaintiffs – Appellants

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  • Risk and Insurance Considerations for Unmanned Aerial Systems

    Risk and Insurance Considerations for Unmanned Aerial Systems The following is a preliminary discussion of general risk and insurance considerations related to the use of unmanned aerial systems (UAS) for both commercial and non-commercial purposes. Future issues of FC&S Umbrella will delve...

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  • Employment-Related Practices Liability Coverage for Sexual Harassment

    Employment-Related Practices Liability Coverage for Sexual Harassment   Introduction The year 2017 marked the enlightening that sexual harassment can be hidden only so long before it is revealed, and that it is much more prevalent than we cared to believe. Headlines made public a number of...

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  • Employment-Related Practices Liability Coverage Form

    Employment-Related Practices Liability Coverage Form Includes copyrighted material of Insurance Services Office, Inc., with its permission. January, 2018 ISO Coverage Form Summary :

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  • Immigration-Related Employment Practices

    Immigration-Related Employment Practices The Immigration Reform and Control Act of 1986 protects against discrimination based on “national origin”, which refers to being from a particular country or region of the world, or having an accent, or appearing to be of a particular ethnicity. The law...

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  • Insurer is Off the Hook because of Invasion of Privacy Exclusion in TCPA Litigation

    Insurer is Off the Hook because of Invasion of Privacy Exclusion in TCPA Litigation  In August, the Ninth Circuit determined that when following the purpose of the TCPA there could be no coverage when a policy, in this case a directors and officers liability (D&O) policy, included...

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  • No Action Against Insurer

    No Action Against Insurer Most D&O and other forms of liability insurance policies contain what are referred to as action against insurer or no action clauses within the Conditions section of the policy. The following is a typical example of such clauses. No Action Against Insurer No action may...

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  • Cancellation and Termination of Coverage

    Cancellation and Termination of Coverage All D&O policies contain language defining the circumstances, timing, and other requirements to effect a cancellation of the policy, either by the insured or insurer. The following is a sample cancellation clause. D.   Cancellation and...

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  • Climate Change and D&O Insurance

    Climate Change and D&O Insurance The idea that human activity causes the Earth's climate to change is not a new concept. In fact, most people agree that our climate does change over time. Disagreements exist over exactly how and to what extend such change occurs and how, if at all, society...

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  • Volkswagen Falsified Emission Data—D&O Insurance Implications

    Volkswagen Falsified Emission Data—D&O Insurance Implications Originally created in 1937 by the German Labour Front (Deutsche Arbeitsfront), Volkswagen rose from the ashes of World War II to become a leading world automaker, second only to Toyota in worldwide sales. Today, however, the...

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  • Dishonest, Fraudulent, and Criminal Acts

    Dishonest, Fraudulent, and Criminal Acts Today, many lawsuits against directors and officers contain allegations of fraud, especially in securities cases. This is partially the result of passage of the Private Securities Litigation Reform Act in 1995, which was aimed at encouraging meritorious...

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