Specialty Lines
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									October 30, 2025
									Cyber Coverage Growing Amid More Ransomware, Pro SaysRansomware attacks have been increasing in recent years, while the market for cyberinsurance is growing and becoming more competitive, said a cyberinsurance expert at a media briefing from the American Academy of Actuaries on Thursday. 
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									October 30, 2025
									Pa. Justices' Auto Exclusion Ruling May Spur Policy ChangesThe Pennsylvania Supreme Court is tackling whether policy language precluding coverage for injuries "arising out of" the ownership or use of "autos" is ambiguous, and its answer could set up auto liability carriers in the state to reevaluate how they define such terms even in standard form policies, experts say. 
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									October 30, 2025
									Insurance Litigation Week In ReviewThe Second Circuit upheld Citgo's $54.2 million judgment against insurers over seized Venezuelan oil cargo, a California federal court officially approved an $80 million class settlement over life insurance terminations and a New York federal court sent the state's data breach lawsuit against Allstate entities back to state court. Here, Law360 takes a look at the past week's top insurance news. 
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									October 29, 2025
									NY's Allstate Data Breach Case Sent Back To State CourtA New York federal judge has sent a data breach lawsuit against an Allstate Insurance Co. unit back to state court, ruling that he lacks subject matter jurisdiction in the suit because the causes of action in the litigation are not created by federal law. 
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									October 29, 2025
									Hertz Urges Del. Justices To Reverse $170M Insurance RulingHertz Corp. urged the Delaware Supreme Court Wednesday to overturn a lower court's ruling that freed the car rental giant's insurers from covering $170 million in false-arrest settlements, arguing the settlements all stemmed from a faulty theft-reporting system and trigger just one self-insured retention. 
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									October 29, 2025
									Insurer Can't Avoid Massage Therapist's Coverage ClaimsAn insurer can drop its claims against a massage therapist in a dispute over coverage for an underlying malpractice contention but cannot escape the therapist's counterclaims for declaratory relief and breach of contract, a Minnesota federal court ruled. 
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									October 28, 2025
									2nd Circ. Upholds $54M Award To Citgo In Oil Cargo DisputeThe Second Circuit affirmed a $54 million judgment for Citgo Petroleum Corp. in its suit seeking coverage for oil cargo lost during political unrest in Venezuela, finding Tuesday that a lower court did not err or abuse its discretion in rulings on summary judgment, judicial notice and jury instructions. 
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									October 27, 2025
									Title Insurer Avoids Coverage For Road Ownership DisputeA property owner's title insurer owes no coverage for an underlying quiet title action over ownership of a private road between two separate properties, a New York federal court ruled, finding coverage exceptions in two policies relating to the rights of parties "in possession" were applicable. 
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									October 27, 2025
									Tricolor Ch. 7 Trustee Gets OK To Pay Debtor's InsurersThe Chapter 7 trustee for subprime car lender and seller Tricolor Holdings can access about $275,000 in deposited checks at its headquarters to make late insurance payments, a Texas bankruptcy judge said at an emergency hearing Monday. 
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									October 27, 2025
									Baldoni Says Insurer Must Join Calif. Lively Coverage DisputeJustin Baldoni, the "It Ends With Us" lead and director facing sexual harassment claims from co-star Blake Lively, asked a New York federal court to dismiss an insurer's lawsuit seeking to avoid coverage, noting that he and other insureds have already filed a similar coverage action in California state court. 
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									October 24, 2025
									USAA Defends Medical Reimbursement Cuts In Coverage RowTwo USAA units sought to toss two insureds' proposed class action accusing the companies of under-reimbursing their medical providers via claim handling software, telling a Washington federal court "there is no admissible evidence that plaintiffs' treatments were medically necessary and related to their auto accidents." 
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									October 23, 2025
									Illinois Seeking Transparency With State Farm Suit, Pros SayIn suing State Farm for homeowners insurance data, the state of Illinois is taking an approach to regulating carriers with transparency in mind that could be replicated elsewhere, but lowering climate-influenced costs will be a challenge, experts said. 
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									October 23, 2025
									Deposit Insurance Increase Needs More Analysis, Experts SayDeposit insurance coverage could increase for the first time since 2010 due to a bipartisan proposal to expand the limit to $10 million per depositor for certain transaction accounts, but banking and insurance experts say legislators should conduct further cost-benefit analyses to ensure safeguards are in place for high-insured deposits. 
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									October 23, 2025
									Insurance Litigation Week In ReviewNew Jersey's top court agreed to consider the Third Circuit's underinsured motorist coverage questions, the Fifth Circuit revived an oil company's suit seeking coverage for a faulty cement settlement and the Eighth Circuit affirmed that a cleaning equipment manufacturer didn't obtain adequate coverage under its lease with a warehouse owner. Here, Law360 takes a look at the past week's top insurance news. 
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									October 22, 2025
									4th Circ. Seems Wary Of Under Armour's $100M Coverage WinThe Fourth Circuit didn't seem convinced Wednesday that it should affirm a lower court's finding that government investigations into Under Armour are unrelated to a securities class action against the sportswear company and thus trigger an additional $100 million in directors and officers coverage from Under Armour's excess insurers. 
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									October 22, 2025
									NJ Justices To Hear 3rd Circ.'s UIM Coverage QuestionsNew Jersey's justices will help the Third Circuit consider whether a resident can recover up to the full $2 million limit in his employer's auto policy with Zurich rather than its $15,000 limit for underinsured motorists, the New Jersey Supreme Court announced Wednesday, taking up two certified questions. 
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									October 21, 2025
									5th Circ. Revives Oil Co.'s Faulty Cement Coverage SuitThe Fifth Circuit revived an oil and gas producer's suit seeking coverage for a settlement it reached with a bankrupt oilfield services firm over faulty cement, saying a Texas federal court incorrectly tossed the company's duty to defend and indemnify claims against certain underwriters at Lloyd's of London. 
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									October 21, 2025
									Finance Co. Says Chubb Must Pay Its Part Of $5M Wire LossFinancial services company Robert W. Baird & Co. told a Wisconsin federal court that a Chubb unit has wrongly refused to cover any of the company's more than $5 million loss stemming from fraudulent wire instructions, noting that AIG, its primary insurer, already paid a $2.5 million sublimit. 
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									October 20, 2025
									Surfacing Co. Says AIG Must Cover Acquisition LossesA decorative surface manufacturer told a Delaware state court that an AIG unit must cover losses incurred after the chemical company it acquired allegedly misrepresented the state of its relationship with the company's top customer. 
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									October 20, 2025
									$2.5M Insurance Premium Row Headed To TrialAn insurer's claims that a policyholder owes nearly $2.5 million in unpaid premiums across three separate policies must go to trial, a West Virginia federal court ruled, noting that the policyholder already disputed the existence of one of them. 
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									October 20, 2025
									Catching Up With Delaware's Chancery CourtThis past week, the Delaware Chancery Court and Supreme Court handled a crowded corporate docket, weighing blockbuster merger appeals, shareholder settlement objections, fights over control involving an NBA franchise and a high-profile appeal from Elon Musk involving a massive payday from Tesla. 
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									October 17, 2025
									Judge Ends $4.6M Goodyear, Michelin Rubber Damage SuitA Louisiana federal court officially dismissed a $4.6 million dispute involving Goodyear Tire & Rubber Co., Michelin North America Inc. and the companies' insurers over water damage to bales of rubber, saying the parties have fully settled their claims against CEVA Logistics companies and a New Orleans port operator. 
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									October 17, 2025
									Broker Not Covered In Fire Policy Dispute, Insurer SaysAn insurance broker accused of mishandling a furniture retailer's insurance procurement, which left the retailer without coverage for a fire, is not entitled to defense or indemnity under its professional liability policy, the broker's insurer told a California federal court. 
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									October 16, 2025
									Future Of 'Ambiguous' Defect Exclusion Remains To Be SeenThe LEG-3 exclusion, a defect exclusion developed by the London Engineering Group, stood largely untested for nearly three decades, but just two years after a Washington, D.C., federal court found the exclusion to be ambiguous, policyholder attorney Angelia Wesch tells Law360 that whether the underwriting group tightens the exclusion's language remains to be seen. 
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									October 16, 2025
									NH Youth Centers Seek Coverage In Hundreds Of Abuse SuitsTwo youth treatment centers accused an insurer Thursday of refusing to provide full coverage for hundreds of suits claiming that the centers mistreated children in their care, telling a New Hampshire federal court that the insurer wrongfully limited coverage to $1 million. 
 
                Massive Liability Issues Centered At Anderson Kill Conference
Evolving cyber and artificial intelligence risks, along with the massive claims associated with forever chemicals and sexual abuse suits, should be among the top insurance considerations for policyholders today, attorneys and brokers said at a conference hosted by Anderson Kill PC.
 
                Louvre Heist Exposes Coverage Gaps For Art Collections
The theft of approximately $102 million worth of historic artifacts from the Louvre Museum in Paris provided a stunning example of the risks that major cultural institutions can face and the often limited insurance options available to cover financial losses.
 
                SEC Changes For Public Cos. Shake Up D&O Coverage Risks
The U.S. Securities and Exchange Commission has enacted or proposed several significant changes to the way public companies are regulated, putting directors and officers coverage risks into unprecedented territory, insurance and securities experts said.
Expert Analysis
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								10 Quick Tips To Elevate Your Evidence Presentation At Trial  A strong piece of evidence, whether in the form of testimony or exhibit, is wasted if not presented effectively, so attorneys must prepare with precision to help fact-finders both retain the information and internalize its significance, says Allison Rocker at Baker McKenzie. 
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								What Insurers Must Know When Insureds File For Bankruptcy  With increasing inflation, rising unemployment and growing consumer credit delinquencies, insurers and their intermediaries must be prepared to handle policyholders who are filing for bankruptcy by acquainting themselves with key procedural details of the bankruptcy process, say attorneys at McDermott. 
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								Identifying The Sources And Impacts Of Juror Contamination  Jury contamination can be pervasive, so it is important that trial teams be able to spot its sources and take specific mitigation steps, says consultant Clint Townson. 
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								State Of Insurance: Q3 Notes From Illinois  Matthew Fortin at BatesCarey discusses notable developments in Illinois insurance law from the last quarter including a state appellate court's weighing in on the scope of appraisal, a pending certified question in the Illinois Supreme Court from the Seventh Circuit on the applicability of pollution exclusions to permitted emissions, and more. 
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								SDNY OpenAI Order Clarifies Preservation Standards For AI  The Southern District of New York’s recent order in the OpenAI copyright infringement litigation, denying discovery of The New York Times' artificial intelligence technology use, clarifies that traditional preservation benchmarks apply to AI content, relieving organizations from using a “keep everything” approach, says Philip Favro at Favro Law. 
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								What EPA's Continued Defense Of PFAS Rule Means For Cos.  The U.S. Environmental Protection Agency's recent decision to continue defending a Biden-era rule designating two per- and polyfluoroalkyl substances as Superfund hazards may provide the EPA with significant authority over national PFAS cleanup policy — and spur further litigation by both government and private parties, say attorneys at Morgan Lewis. 
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								3 New Cyberinsurance Rulings Aid In Policy Interpretation.jpg)  Although the cyberinsurance market has exploded, there is no standardized cyber language or form and only a few court decisions thus far interpreting cyberinsurance policy language, making these three recent rulings key for guiding policyholders, insurers and brokers, say attorneys at Haynes Boone. 
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								How Financial Cos. Can Prep As NYDFS Cyber Changes Loom  Financial institutions supervised by the New York State Department of Financial Services can prepare for two critical cybersecurity requirements relating to multifactor authentication and asset inventories, effective Nov. 1, by conducting gap analyses and allocating resources to high-risk assets, among other steps, say attorneys at Pillsbury. 
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								Civil Maritime Nuclear Sector Poised For Growth, Challenges  The maritime industry now stands on the verge of a nuclear-powered renaissance, with the need for clean energy, resilient power generation and decarbonized logistics driving demand for commercial maritime nuclear technology — but these developments will raise significant new legal, regulatory and technical questions, say attorneys at Holland & Knight. 
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								Understanding And Managing Jurors' Hindsight Bias  Hindsight bias — wherein events seem more predictable after the fact than they were beforehand — presents a persistent cognitive distortion in jury decision-making, but attorneys can mitigate its effects at trial through awareness, repetition and framing, say consultants at Courtroom Sciences. 
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								Hybrid Claims In Antitrust Disputes Spark Coverage Battles.png)  Antitrust litigation increasingly includes claims for breach of warranty, product liability or state consumer protection violations, complicating insurers' reliance on exclusions as courts analyze whether these are antitrust claims in disguise, says Jameson Pasek at Caldwell Law. 
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								Better Crypto Insurance Is Attainable Amid Regulatory Shifts  With regulatory clarity improving and insurance carriers taking an increasingly constructive approach, crypto industry participants can improve their insurance coverage and pricing if finance, legal and compliance teams take specific steps, say Walker Newell and Jacob Sawyer at Woodruff-Sawyer. 
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								NC Banking Brief: All The Notable Legal Updates In Q3-(1).jpg)  There were several impactful changes to the financial services landscape in North Carolina in the third quarter of the year, including statutory updates, enforcement developments from Office of the Commissioner of Banks, and notable mergers, acquisitions and branch expansions, say attorneys at Moore & Van Allen.