endorsement News

7th Circuit: Insurer Must Defend Horse Farm From Lawsuit Over Golf Cart Accident

An insurer must defend an Illinois equestrian business from a lawsuit filed by a man who was injured when he was run over by a golf cart operated by an employee who was chasing a loose horse, a federal appellate …

5th Circuit: Insurer Liable for Harvey Damage Despite ‘Creative’ Policy Language and ‘Legal Gotcha’

While Hurricane Harvey dumped 60 inches of rain on the Houston area in August 2017, the authority that operates the Lake Conroe Dam opened the floodgates to release water at a rate almost equal to the flow over Niagara Falls. …

Policyholders With Endorsements for Diseases Survive Motions to Dismiss COVID-19 Claims

While insurers continue to win four out of five cases in early rounds, in the past month two property owners with policies that contained endorsements specifically providing coverage for diseases survived motions to dismiss their COVID-19 business interruption claims. On …

7th Circuit: Fatal Crash Not Covered Because Vehicle Not on Policy

An insurance carrier is not liable for a fatal crash caused by an ambulance that was not listed on its commercial policy, even though the business thought that the vehicle had been added, the 7th Circuit Court of Appeals ruled. …

Insurer Can’t Deny Coverage Despite Misinformation on Policy Application

An insurer that extended its workers’ compensation coverage for 90 days after discovering the employer had violated the terms of its policy could not then deny coverage for a claim on the grounds that those terms had been violated, the …

Wisconsin Supreme Court Rules a Single Occurrence Applies in Fire Case

In a ruling published this week, Wisconsin’s highest court reversed and remanded a court of appeals decision that found a fire loss constituted multiple occurrences. At issue, was whether a $2 million aggregate limit or $500,000 per occurrence limit applied …

ACE Launches New Hospitality and Real Estate Products

ACE USA, the U.S.-based retail operations of the ACE Group, announced the introduction of umbrella policy endorsements, designed to address risks faced by the hospitality and real estate industries. Two new endorsements expand coverage for hotel operations and restaurants and …

Lexington Insurance Company Expands Spoliation Insurance Product

Lexington Insurance Company, a Chartis company, announced its spoliation insurance endorsement will be offered to a broad array of insureds, including lawyers, accountants, testing facilities, and document and property storage facilities. Lexington first provided coverage for spoliation claims as an …