endorsement News

Liberty Mutual Avoids Payout Even Though Sublimit Omitted from Policy

What happens when an insurance carrier, its underwriter, a broker and the insured all forget to make sure a sublimit endorsement on wind-driven rain losses is included in a multi-million dollar property policy? In the case of a Liberty Mutual …

Nashville Bar Damaged by Car Bombing Sues Insurer

When a Tennessee man set off a bomb in downtown Nashville in 2020, it not only disrupted a peaceful Christmas morning in the city, it put some nearby establishments out of business for more than 30 months. The vehicle blast, …

Few Florida Insurers Compel Arbitration, but Attorneys Say that Will Change

After American Integrity Insurance Co. filed for a binding arbitration endorsement on homeowner policies one year ago, many in the industry expected a wave of other insurers to follow suit as claims litigation costs continued to rise in Florida. So …

Attorney for Insurer Says Law Firm Working with Contractors to Find New Hurricane Claimants

An insurance defense attorney accuses the McClenny Moseley & Associates law firm of teaming up with restoration contractors to illegally acquire clients, which sometimes resulted in duplicate lawsuits being filed against insurers for claimants who were already represented by other …

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 …