Insurance Coverage


Employee Benefit Plan Review – From the Courts
December 21, 2016 | Labor & Employment | Insurance Coverage

Implied-in-Fact CBA Excluded Time Spent Donning and Doffing Work Clothing from Compensable Time, Eighth Circuit Decides

Since at least 1967, hourly employees working at the battery manufacturing facility in Joplin, Missouri, operated by EaglePicher Technologies, LLC, were represented by a union, presently known as the United Steel, Paper and Forestry, Rubber, Manufacturing, Energy, Allied Industrial

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A Lawsuit against a Lawyer: No Coverage Given Absence of Allegations of Professional Acts or Omissions
December 16, 2016 | Insurance Coverage

The U.S. Court of Appeals for the Fifth Circuit, reversing a Louisiana district court’s decision, has ruled that a professional liability insurance policy did not cover a lawsuit against a lawyer where it did not allege that the lawyer had engaged in any professional acts or omissions that gave rise to the plaintiffs’ claims.

The

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A Broker’s Embezzlement: Wrongful Act Exclusion Barred Coverage
| Insurance Coverage

The U.S. Court of Appeals for the Sixth Circuit, affirming a decision by a federal district court in Michigan, has ruled that a “Wrongful Act” exclusion in an errors-and-omissions (“E&O”) policy precluded coverage for losses stemming from an employee’s embezzlement scheme.

The Case

A representative for a licensed securities broker-dealer embezzled client funds by depositing

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A Box Truck Crash: Exclusion in Definition of “Auto” Precluded Coverage
| Insurance Coverage

The U.S. Court of Appeals for the Eighth Circuit has upheld a district court’s decision that a personal auto insurance policy did not provide coverage for an accident involving a box truck, which was excluded from the definition of covered “auto.”

The Case

A woman struck by a rented box truck obtained a $225,000 consent

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A Fire, or Two: Insureds’ Material Misrepresentations Voided Policy
| Insurance Coverage

The U.S. Court of Appeals for the Eighth Circuit has affirmed a district court’s decision concluding that a homeowners’ insurance policy was void under its terms because the insured homeowners had made material misrepresentations during the claims process.

The Case

On October 10, 2012, either one or two fires occurred at the home owned by

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A Case of Murder: No Coverage for Negligence Claims against Co-Insureds
| Insurance Coverage

The West Virginia Supreme Court, adopting the majority view, has ruled that intentional acts exclusions in homeowners’ insurance policies precluded coverage for negligence claims against two insureds whose daughters had committed murder.

The Case

The parents of a teenage girl murdered by two of her friends sued the killers and their mothers. The plaintiffs asserted

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Artificial Knee Joint Settlements: No Written Consent, No Excess Coverage
| Insurance Coverage

The U.S. Court of Appeals for the Sixth Circuit, reversing a decision by a federal district court in Michigan, has ruled that a company that settled product liability suits without the written consent of its excess liability insurance company was not entitled to recover the amount of the settlements from its excess carrier.

The Case

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New York Insurance Coverage Law Update
November 30, 2016 | Insurance Coverage

Private Dispute Over Policy Coverage Did Not Support Insured’s GBL § 349 Claim Against Insurer, Fourth Department Rules

A building owner sued its insurance company for deceptive acts and practices under New York General Business Law § 349, alleging that the insurer had retained a non-engineer to conduct an investigation into its claim for damage to its building and

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Employee Benefit Plan Review – From the Courts
November 21, 2016 | Labor & Employment | Insurance Coverage

Company’s COBRA Breach Justified Award of Premiums to Former Employee, Eighth Circuit Rules

When Health Resources of Arkansas, Inc. (HRA) reduced its work force in response to financial difficulties in 2012, the plaintiff in this case was 57 years old and had been working for HRA since 1987. She had worked her way up from

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The U.S. District Court for the Northern District of Alabama Finds No Coverage for Suit Alleging Insured’s Computer Network Was Hacked, Damaging Credit Unions
November 16, 2016 | Insurance Coverage

A federal district court in Alabama has ruled that a grocery store was not entitled to coverage of a lawsuit brought by credit unions alleging that they had been damaged when the store’s computer network was hacked.

The Case

Three credit unions sued Camp’s Grocery, Inc., which operated a grocery store in Hokes Bluff, Alabama,

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