It Ends with Late Notice

Justin Baldoni, his companies associated with the motive It Ends with Us, and certain executives of those companies (the “Baldoni Entities”) are yet again defendants in a lawsuit, this time with their Management Liability insurer Harco National Insurance Company (“Harco”), involving Blake Lively’s sexual harassment claims (“Lively Lawsuit”). Harco filed suit against the Baldoni Entities […]

Oregon Supreme Court Provides Much-Needed Clarity on the State’s Law Regarding Whether Damage from Construction Defect Constitutes An “Occurrence”

The Supreme Court of Oregon recently ruled that a general contractor’s tort liability for its defective work may constitute a covered “occurrence” within the meaning of the ISO commercial general liability (“CGL”) policy, providing much needed clarity on the issue under Oregon law. However, property damage arising solely from a contractor’s contractual obligations does not constitute an accident, and thus, is not an “occurrence.”

Massachusetts High Court Allows Plaintiffs to Bring Contract-Based Construction Defects Claim After Expiration of Statute of Repose

The Supreme Judicial Court of Massachusetts recently expanded plaintiffs’ rights to bring construction defects suits in the state.  The ruling allows plaintiffs in Massachusetts to now bring suit even after the statute of repose for construction defect claims has passed if the cause of action is based on a contractual dispute rather than tort liability.

Game On: Insuring Cybersecurity and Data Privacy in the Arena of Professional Sports

The digital era has transformed professional sports, exposing sports organizations to a new, largely unfamiliar landscape of cybersecurity and data privacy risks. The sports industry has seen a marked increase in cyberattacks over the past five years. High-profile cybersecurity breaches, including ransomware attacks, data leaks, and fraud, underscore the need for robust cybersecurity measures and […]

Start Spreading the News: Appellate Division Case Highlights How Policyholders Should Plead Claims Under New York’s Consumer Protection Statute

When a policyholder feels their insurance claim has been mishandled or denied unfairly, pursuing recovery for the insurer’s bad faith is often front of mind. While many states recognize a common law and/or statutory cause of action for bad faith, the circumstances that constitute bad faith vary amongst jurisdictions.

Emerging Issues in Construction CGL Insurance Part 1: Continuing or Progressive Loss Exclusions

The risks and losses associated with construction operations and property development push many insurance concepts to their limits. As a result, the construction industry has long been at the forefront of many complex insurance coverage issues and both drives but also depends on market standards to assess and adequately address risks.

SDV’s 2025 Contractor’s Checklist for Owner-Placed Builder’s Risk Insurance

Builder’s risk policies are manuscript and complex, and many contractors don’t fully understand the nuances of how and where the coverages they need come from in the policy. Time and again we see contractors taking risk contractually that builder’s risk insurance could have supported, but the policies fall short for reasons identified in the checklist. […]

Your Excess Policy May Not “Follow Form” to Your Primary Policy’s Aggregate Limits: How to Avoid a Multi-Million Dollar Mistake

Commercial general liability (“CGL”) policies providing limits on a “per-project” basis have become standard in the construction industry. General contractors and other upstream parties on large construction projects, as a rule, require downstream subcontractors to maintain CGL coverage with limits provided on a “per project” basis.

Top 10 Insurance Cases of 2024

Federal and state courts tackled a myriad of interesting insurance-related issues this past year. The U.S. Supreme Court also surprisingly addressed coverage issues in 2024, in not one—but two—decisions. It is rare for the Supreme Court to confront insurance coverage issues which usually involve matters of state law. The highest court’s assessment of the nuances […]

Can Unambiguous Policy Language be Invalidated Under a Theory of Illusory Coverage?

A recent decision by the California Supreme Court has examined the applicability and use of the “illusory coverage doctrine” as a tool to interpret insurance policies. The Court also questioned whether the doctrine could invalidate unambiguous policy language. While it is undecided whether the doctrine exists, or can exist under California law, the decision seems […]

Sources of Insurance Recovery for Emerging PFAS Claims

This year, the Environmental Protection Agency (“EPA”) issued its first-ever national, legally enforceable drinking water standard to protect communities from exposure to harmful per-and polyfluoroalkyl substances (“PFAS”), also known as “forever chemicals.”[1] In addition, the Food and Drug Administration announced that grease-proofing materials containing PFAS are no longer being sold for use in food packaging […]