Employment Practices Liability Insurance (often referred to as EPLI) provides crucial protection for businesses, offering coverage against claims of workplace-related issues such as discrimination, harassment, wrongful termination, and allegations of a violation of an...
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When Does My Business Need Pollution Liability Protection?
Pollution liability protection is a specific type of insurance coverage that generally covers the costs that can come with claims of harm or damage to the environment. These claims are often connected to allegations of improper disposal of hazardous waste materials...
Pharmaceutical Liability and Off Label Use
Innovation can lead to great advances. In few industries do we see this more than the pharmaceutical industry. The advances that the industry has made with respect to the discovery of numerous medications to help heal and treat those who are ill or injured are...
Which type of patent insurance policy is right for my business?
The importance of innovation in business cannot be understated. Entrepreneurs must find new ways to provide services and products that meet their community’s needs. Meeting these needs will help entrepreneurs have a profitable and fulfilling business. But what does...
How Businesses Can Maximize Insurance Recovery After a Disaster
The recent fire on Maui sent shockwaves through California, no stranger to the ravages of record-breaking wildfires. For businesses, various first- and third-party insurance policies are a safety net against the damages and liabilities associated with natural...
Invasion Of Privacy an Issue in Duty to Defend Insurance Case
We all have a basic expectation that the conversations we have in private with our spouses or significant others will remain private. When those conversations are intercepted or recorded and distributed without permission, it can be a very traumatic experience. Many...
Bad Faith Insurance: A Public Policy Right?
What happens when your insurance company wants to use out of state law to completely cut off your right to coverage? That’s exactly the situation a California insured found herself in when her insurance company tried to use an Illinois choice of law provision that it...
Does the failure to accept a settlement offer mean an insurer acted in bad faith?
In 2021, a California appellate court held that an insurer’s duty to settle was subject to a reasonableness standard. In other words, when an insurer refuses to accept a settlement demand, that decision will constitute a breach of its duty to settle if it was an...
Truck v. Kaiser Part Two: A closer look at stacking coverages
In part 2, we look at how the Kaiser court recognized a limitation on an insurer’s ability, after being targeted by the insured to defend and indemnify a case against the insured, to reallocate a portion of the insurer’s defense and indemnity expenses to other...
Ransomware attacks roil insurance industry
In May of this year, a ransomware cyberattack by Russian hackers made headlines around the world as it led to an 11-day shutdown of a pipeline that supplies nearly half of the East Coast’s fuel. The attack on Colonial Pipeline caused gasoline shortages and price...