United States: Insurance Laws and Products

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Insurance law and insurance regulation thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics such as reinsurance, insurance law and insurance products.

Employee vs. Independent Contractor: Labels Don't Control The Outcome, Says The Eleventh Circuit

In assessing whether a worker is an employee or an independent contractor, the Eleventh Circuit recently re-confirmed that it "does not care about the label put on the relationship by the parties."

United States Employment

LM

Littler Mendelson

Recent Decision Determines Retail Displays May Qualify As 'Advertisements' Under CGL Insurance Policies

A recent decision interpreting insurance coverage for "advertising injury" under commercial general liability (CGL) insurance policies ruled that claims of allegedly infringing product displays can trigger the duty to defend.

United States Insurance

BT

Barnes & Thornburg LLP

Pennsylvania High Court Expands Circumstances Under Which Insureds May Settle Underlying Claims Without Insurer Consent

Liability policies often contain a "cooperation clause" pursuant to which an insurer who has agreed to defend an insured from an underlying lawsuit purports to have the right...

United States Insurance

BT

Barnes & Thornburg LLP

Landmark California Supreme Court Decision Expands Circumstances Under Which Policyholders May Assign Policy Rights Under Third Party Liability Policies Without Insurer Consent

Third party liability insurance policies often contain "consent to assignment" clauses which purport to bar insureds from assigning policies without insurer consent.

United States Insurance

BT

Barnes & Thornburg LLP

Infringement Of "Slogan" Triggers The Duty To Defend

United States Insurance

BT

Barnes & Thornburg LLP

California Court Of Appeal Determines That Excess Insurer May Sue Primary Insurer For Unreasonable Refusal To Settle

United States Insurance

BT

Barnes & Thornburg LLP

Does Insurance Cover California Employers For Intentional Acts Of Employee Violence?

United States Litigation

BT

Barnes & Thornburg LLP

Mayer Brown Mid Year Update On Property Casualty Runoff And Legacy Transactions

United States Insurance

MB

Mayer Brown

Mass. Court Limits Chapter 93A Claims Against Insurers In Robles V. Selective Insurance Decision

United States Insurance

GT

Greenberg Traurig, LLP

Open Season Nears: Advanced Premium Tax Credits And Potential Paths Forward

United States Healthcare

HK

Holland & Knight

Criminal Indictment Of Supervisor May Not Be A Claim "By Or On Behalf Of" Minor Employee Under EPL Policy

United States Employment

WR

Wiley Rein

The 2026 Florida Legislative Session Is Already Revving Up

United States Government

HK

Holland & Knight

Sheppard Mullin Hosts: Insurance Solutions For Managing Risk On Design-Build And Alternative Delivery Projects (Video)

United States Real Estate

SM

Sheppard Mullin Richter & Hampton

Insurer Must Defend Suit Over Unauthorized Use Of Images In Social Media Ads

United States Insurance

WR

Wiley Rein

District Court Invalidates Patents For Bridge Cheating Detection Software Under § 101

United States IP

JM

Jeffer Mangels Butler & Mitchell LLP

Why Direct Student-Athlete Payments Create An Immigration Crisis For Universities

United States Immigration

Gs

Green and Spiegel

Resolving Construction Conflicts Efficiently: A Guided Mediation Approach

United States Litigation

J

JAMS

The Changes To The English Arbitration Regime: What Parties To International Construction Disputes Need To Know

United States Litigation

J

JAMS

U.S. Immigration Updates – October 2025

Worldwide Immigration

K

Klasko

Can Insurance Brokers Be Charged For Affordable Care Act Fraud?

$161 Million Case Reveals Heightened Scrutiny on Broker Fraud Under the Affordable Care Act and the False Claims Act

United States Criminal

TE

The Employment Law Group

Data Center Development And The Rise Of SLA Insurance

Data center development is booming—driven by AI and other high-throughput workloads.

United States Technology

GT

Greenberg Traurig, LLP

InterConnect Newsletter - Q3 2025

For the seventh time, Benesch is honored to announce that it has been named Law Firm of the Year in Transportation Law by Best Lawyers® Best Law Firms.

United States Transport

B

Benesch Friedlander Coplan & Aronoff LLP

Warehousing Update: The Issues Hiding In Plain Sight

For services that are, by their nature, designed to be stationary, warehousing operations welcome intertwined movements of a variety of areas of law.

United States Transport

B

Benesch Friedlander Coplan & Aronoff LLP

Renewal Omission Proves Costly: Court Allows Rescission For Undisclosed Audit

United States Insurance

WR

Wiley Rein

Intentional Conduct And Negligence Are Not Mutually Exclusive; The Concurrent Cause Doctrine Applies Only When Each Independent Cause Can Injure Without The Other

United States Insurance

SM

Sheppard Mullin Richter & Hampton

11th Circuit Rules GEICO Did Not Act In Bad Faith In Handling Auto Accident Claim

United States Insurance

CO

Cozen O'Connor

Subsidiary Exclusion Bars Coverage For Claim Alleging Wrongful Conduct Before And After Entity Became A Subsidiary; Claim For Fraudulent Transfer Not Insurable Under New York Law

United States Commercial

WR

Wiley Rein

Déjà Sue: Prior Notice Exclusion Dooms Recovery For New Lawsuits Alleging Previously Noticed Conduct

United States Insurance

WR

Wiley Rein

Form 1095-C Update: What Employers Need To Know For 2026 Reporting

United States Employment

FL

Foley & Lardner

How Trucking Incentives Undermine Safety

United States Transport

SS

Saxton & Stump

Deepfakes And Insurance Policy Hot Takes: Securing Coverage For AI Risks (Podcast)

United States Insurance

LS

Lowenstein Sandler

Eleventh Circuit: Misappropriation Exclusion Doesn't Bar Duty To Defend Under Georgia Law

United States Insurance

D

Dykema

The Emerging Crypto Insurance Market: Expanding Horizons For Reps & Warranties Coverage

United States Technology

C

Caldwell

How Trucking Incentives Undermine Safety

Perverse incentives across departments are pushing trucking companies toward higher risk — and bigger liability exposure.

United States Transport

SS

Saxton & Stump

Deepfakes And Insurance Policy Hot Takes: Securing Coverage For AI Risks (Podcast)

Lynda Bennett: Welcome to the Lowenstein Sandler podcast series. Before we begin, please take a moment to subscribe to our podcast series at lowenstein.com/podcasts.

United States Insurance

LS

Lowenstein Sandler

Eleventh Circuit: Misappropriation Exclusion Doesn't Bar Duty To Defend Under Georgia Law

The Eleventh Circuit has held under Georgia law that a misappropriation exclusion in a lawyer's professional liability insurance policy did not eliminate the insurer's duty to defend an underlying lawsuit.

United States Insurance

D

Dykema

The Emerging Crypto Insurance Market: Expanding Horizons For Reps & Warranties Coverage

As the digital asset industry matures, the need for reliable insurance solutions has become more urgent. Historically, crypto companies have struggled to secure coverage for losses related to theft, hacking...

United States Technology

C

Caldwell

Duty To Defend Where Lawsuit Includes Allegations That Do Not "Solely And Exclusively" Fall Within Prior Litigation And Knowledge Exclusions

United States Insurance

WR

Wiley Rein

A Hollywood Illustration Of The Prior Knowledge Exclusion In Claims-Made Insurance Policies

The "prior knowledge exclusion" is an important provision to understand in the world of claims-made insurance policies. A typical prior knowledge exclusion specifies that the policy may provide coverage for a claim only if...

United States Insurance

CK

Conn Kavanaugh Rosenthal Peisch & Ford

Louisiana AG Urges DOJ To Clean Up Oil Spill Litigation

Louisiana AG Liz Murrill sent a letter to U.S. AG Pam Bondi requesting the dismissal of all DOJ lawsuits filed against insurance underwriters under the Oil Pollution Act of 1990...

United States Energy

CO

Cozen O'Connor

OCC And FDIC Propose Rules To Eliminate Reputation Risk And Debanking

On October 7, the OCC and FDIC jointly proposed two rules to refocus bank supervision on material financial risks and eliminate "reputation risk" from their oversight frameworks.

United States Finance

SM

Sheppard Mullin Richter & Hampton

When Algorithms Underwrite: Insurance Regulators Demanding Explainable AI Systems

Insurers are increasingly using artificial intelligence (AI) systems across operations, including underwriting policies, pricing, claims processing, fraud detection and customer service.

United States Technology

BI

Buchanan Ingersoll & Rooney PC

AI Risks & Insurance Coverage: What Corporate Policyholders Need To Know (Video)

United States Technology

LS

Lowenstein Sandler

Misappropriation Of Funds Exclusion Bars Coverage For A Negligent Background Check That Led To Hiring Of Embezzler

United States Insurance

WR

Wiley Rein

Building Bigger, Building Smarter: January Allen On Galvanize Joining Fennemore, And Legal Trends In Construction Across Colorado

United States Real Estate

FL

Fennemore

Hurricanes And Act Of God Defenses

United States Insurance

JW

Jones Walker

Known Risk, No Coverage: Prior Knowledge Exclusion Applies Based On Probate Allegations

United States Insurance

WR

Wiley Rein

Recent Mass. Chapter 93A Case Highlights Key Distinctions Between Sections 9 And 11

United States Litigation

GT

Greenberg Traurig, LLP

Building Resilience Into Construction Contracts Before Hurricane Season

United States Real Estate

JW

Jones Walker

No Surprise: The Federal No Surprises Act Should Preempt State Common Law Claims For Out-of-Network Payment Disputes

United States Insurance

BS

Boies Schiller Flexner

Wildfire Risk And The Future Of Land Use In Southern California

United States Real Estate

FL

Fennemore

Ten Minute Interview: Unique Insurance Considerations For High Net Worth Individuals (Video)

United States Insurance

FL

Foley & Lardner

California Insurance Code Section 533 Bars Indemnity Coverage For Retaliation Suit Against County

United States Insurance

WR

Wiley Rein

Benesch's Dental/DSO Intelligence Monthly Report: September 2025

United States Healthcare

B

Benesch Friedlander Coplan & Aronoff LLP

Published Decision Rejects Brandt Fee Claim In "Bad Faith" Suit Seeking Payment Of Judgment In Excess Of Policy Limits

United States Insurance

SM

Sheppard Mullin Richter & Hampton

Released But Not Obligated: Assignment-Only Settlement Results In No Indemnity Cover As Insured Not "Legally Obligated To Pay" Any Amount

United States Insurance

WR

Wiley Rein

Pryor Cashman Submits Comments To FDIC On Proposed Intra-Agency Appeals Guidelines

United States Insurance

PC

Pryor Cashman LLP

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Latest Videos

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Sheppard Mullin Hosts: Insurance Solutions For Managing Risk On Design-Build And Alternative Delivery Projects (Video)

SM

Sheppard Mullin Richter & Hampton

Ten Minute Interview: Unique Insurance Considerations For High Net Worth Individuals (Video)

FL

Foley & Lardner

A Day In The Life Of An Associate In Lowenstein's Insurance Recovery Group (Video)

LS

Lowenstein Sandler

The Truth About Cyber Insurance In 2025 (Video)

TS

Taft Stettinius & Hollister

Hot Topics In International Trade Baltimore Bridge Collapse With Robert Stein VP Braumiller Consulting

BG

Braumiller Law Group, PLLC

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