Years Later, Hurricane Sandy Claims Still Present Unique Coverage Questions

The Second Circuit’s recent reversal of summary judgment involving a coverage dispute over a $50M Hurricane Sandy storm surge claim is an important reminder to always closely read the policy. A

You’re Barred. Again: Negligent Acts, Conditional Language, and the Assault/Battery Exclusion

A fatal shooting took place at a bar. The bar purchased an insurance policy, which contained an assault and battery exclusion, barring coverage for bodily injury or property damage arising out of â

You Can’t Keep it Bottled Up: Defective Bottle Cap = Defective Bottled Product

The Appeals Court of Massachusetts held that a first-party property policy’s ensuing loss provision did not restore coverage for the non-defective contents of a bottle rendered unsaleable by de

You Get What You Pay For: Title Insurers Need Only Defend Claims Explicitly Covered in Policy

On November 13, the Seventh Circuit Court of Appeals decided in a case of first impression that the “complete defense” rule does not apply to title insurers and overturned the Northern Dis

Your Insurance Company’s Duty to Settle

By Robert M. Horkovich, Esq. and Anna M. Piazza, Esq. of Anderson Kill P.C. A policyholder purchases liability insurance coverage to protect itself in the event it gets sued. Assuming a claim again

Your Employee Handbook Policies May be Unlawful!

By Philip R. Voluck, Esq. and Keith J. Gutstein, Esq. of Kaufman Dolowich & Voluck, LLP   On March 18, 2015, the National Labor Relations Board (“NLRB”) issued new

You Get Sick Leave, I Get Sick Leave, Everyone Gets Sick Leave in California

By Nicole Davis Tinkham, Esq. of Collins, Collins Muir + Stewart LLP     On July 1, 2015, California becomes the second state in the nation to guarantee paid sick leave for nearly all

Yes, a Person Can be Criminally Prosecuted for Violating HIPAA

By Joseph J. Lazzarotti, Esq. of Jackson Lewis P.C.   As reported by, a former hospital employee is facing criminal charges brought by federal prosecutors

Your Insurance Proposals – Will They Help You or Hurt You in E&O Litigation

By Curtis M. Pearsall, CPCU, AIAF, CPIA, Executive Director AOA Learning Center   Most agencies and their respective producers look at insurance proposals as one of the key tools that will determ

Your Customer Has Changed. Have You? 6 Questions You Must Answer

What parts of your sales process are you still using that your customer couldn’t care less about?   Below are 6 questions you must ask yourself about your selling process:   1.  W

Your Network is Your Insurance Policy

By Mark Hunter “The Sales Hunter”   This past week I was reminded again how important it is to have a strong network of contacts. We all know how a network can help us with lea

Your Web Site Talks While You Sleep

By Charles T. Wilson, CMC, CRM, RPLU If college grads get job refusals for “pranks” and wild photos on social websites, what do you think insurance companies will do when they visit yo

Your Customer is Lying…Did You Catch It?

As much as we hate to admit it, at one time or another, we’ve all been lied to.  Sometimes the lie is exposed quickly and sometimes it takes awhile to surface.  In sales,

Your Most Valuable Possession

More than two thousand years ago, Hippocrates, the Greek physician and father of medicine, said, "A wise [person] ought to realize that health is [the] most valuable possession."   We are o

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