Recent Posts
Posted In: Additional Insureds
Got Additional Insured Coverage? Not If You Don’t Say the Magic Word.
Where a Lease Did Not Require the Additional Insured Coverage in the Lessee’s Policy To Be Primary, the Additional Insured Coverage Is Excess Over The Lessor’s Own Fronting Policy. Businesses…
Posted In: Claims Handling and Settlement
Finding of Unfair Claim Settlement Practices and Treble Damage Award Reversed by Massachusetts Appeals Court
Insurer Reasonably Disputed Claim of Neurological Injuries From Auto Accident. The arbitration award in the auto accident case that gave rise to this claim for unfair claim settlement practices was…
Posted In: Property Coverage
Sorry, Your Property Policy Doesn’t Cover Removal of Snow From Your Roof
Court Rejects Policyholder’s Argument That Coverage For “Risks of Direct Physical Loss or Damage” Includes Preventive Measures. Typical commercial property policies state that the policy covers “risks of direct physical…
Posted In: Employment Claims, Uncategorized
Don’t Lose Your Employment Practices Liability Insurance.
Coverage May Depend on Disclosure of Prior Claims in the Policy Application, and Timely Notice of Claims During the Policy Period. Employment practices liability (EPL) insurance may provide coverage for…
Posted In: Duty to Defend, Duty to Settle
Massachusetts Appeals Court Addresses Insurer’s Duty to Appeal and Right to Settle
Holding: Insurer’s Good Faith Settlement After Filing Notice Of Appeal Is Not A Defense to Policyholder’s Liability For Retrospective Premium. Under a typical general liability policy the insurer has a…
Posted In: Property Coverage
Is there Coverage for a Marijuana Business Under a Commercial Property Policy?
A Carrier Who Knowingly Insures A Marijuana Business Probably Can’t Rely On An Illegal Acts Exclusion, But The Exclusion Bars Coverage For A Landlord Whose Tenants Surreptitiously Grew Marijuana. …
Posted In: Excess Insurance, Other Insurance
Primary Policy with Excess “Other Insurance” Clause and “True Excess” Policy Cover Same Level of Risk Based on Policy Language
Massachusetts Supreme Judicial Court Declines To Look Beyond Plain Language Of Policy To Consider Evidence Of Intent. In Great Divide Ins. Co. v. Lexington Ins. Co., _ Mass. _ (2017),…
Posted In: Claims Handling and Settlement
Court Finds an Unfair and Deceptive Practice When an Insurer Uses its Investigation to Confirm a Predetermined and Inadequately Supported Conclusion, Rather than Conduct an Objective Analysis.
Massachusetts General Laws Chapter 176D states that it is an unfair claim settlement practice for an insurer to “refus[e] to pay claims without conducting a reasonable investigation based upon all…
Posted In: Duty to Defend
Massachusetts Appeals Court Confirms the Right of a Liability Insurer Defending Without a Reservation of Rights to Control Defense and Settlement Even Where the Policyholder Disagrees with the Insurer’s Defense Strategy
The Court Also Confirms That Massachusetts Applies A Per Se Rule That A Reservation of Rights Creates A Conflict Entitling A Policyholder To Independent Counsel. A dispute concerning liability insurance…
Posted In: Policy Construction
Insurance for Airport Risks
The Devil is in the Details Three recent cases involving insurance for airport or aviation risks demonstrate that, as with insurance coverage generally, small details in insurance policies can have…