We are just about to head into fall, which is typically wildfire season in California. While this year has not been as dry as years past, wildfires are still possible, as evidenced by the recent York fire in the eastern part of the state. With wildfires seemingly a...
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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...
A Changing Landscape: How Rising Judgments and Costs Are Impacting Insurance Coverage Policy Limits
As a business owner, you know all-too-well that the cost of doing business has skyrocketed over the past three years. No matter what industry you are in, the bottom line is that it is going to cost more to complete your projects than it has in the past. Whether due to...
Ohio Train Derailment Leads to A Host of Insurance Concerns
In early February, a Norfolk Southern Railway train derailed in East Palestine, Ohio. Several of the cars on the train contained toxic chemicals, and officials evacuated the immediate area due to potential concerns after the accident. One particular chemical, vinyl...
Hotels, Human Trafficking and CGL Policies: What You Need to Know About Your Insurance Coverage
The sad reality of life is that hotels have become common places where human trafficking occurs. The traffickers often pick these places to provide their services to escape detection. Human trafficking is a major concern for law enforcement. When victims can escape...
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...
Yahoo! Case Highlights Issue Of Ambiguity In Insurance Policies
A current California case is being watched closely by those in the insurance industry because it may bring much needed clarity to the coverage afforded by standard CGL policies for “personal and advertising injury” (or Coverage B as it is sometimes known). Unlike...
Three Important Things to Remember About CGL Insurance Coverage on Construction Projects
Virtually every contractor has found itself staring at its own commercial general liability (CGL) insurance policy—perhaps with the same feeling one might have staring at a technical manual written in a foreign language. Such a contractor might think its experience...
Lawsuit alleges excess insurer failed to honor policy obligations
Excess or umbrella insurance is an essential risk mitigation component for any successful business. Whether the nature of your business’s operations, the potential for catastrophic loss or the threat of frequent litigation, excess or umbrella insurance can provide a...
How Do Courts Look at “Professional Services” for Insurance Purposes?
Imagine you are a licensed HVAC (heating, ventilation, air conditioning) contractor and you own your own business. You have a great reputation in the community and often work with general contractors on new, ground-up construction projects. You’ve been extremely...