SDV Insights

NCAA's New Post-Eligibility Excess Insurance Program Will Cover Athletes in Any Division for Up to Two Years After Separation from Institution

Effective August 1, 2024, the NCAA will provide excess injury insurance coverage to student-athletes for athletic injuries for two years, beginning on a student-athlete's date of separation from its member institution.

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Recent Decision Further Jeopardizes Availability of Additional Insured Coverage in New York

Additional insured endorsements often provide "blanket" coverage to persons or organizations as required by a written contract. However, the wording of the "blanket" language is critically important, as the inclusion of certain phrases in an additional insured endorsement can result in a denial of coverage for the upstream party.

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There is No Claims File Privilege in Florida, Despite What Insurers Want You to Think

As Florida insurers continue their attempts to narrow protections for policyholders, it is imperative - now more than ever - that insureds be well-informed and know their rights. Most recently, in Florida, insurers are attempting to weaponize the death of Senate Bill 1726 and House Bill 1287 to limit the documents disclosed to policyholders.

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Washington Supreme Court Interprets Ensuing Loss Exception in All-Risk Property Insurance Policy

The "ensuing loss" clause is a provision that restores coverage for property insurance claims that are subject to certain policy exclusions, such as "faulty workmanship" and "faulty design."

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One's Loss is Another's "Claim"

While analyzing liability policies, courts grapple with a common issue: what constitutes a claim under a claims-made or claims-made-and-reported provision? When third-party claimants file suit, the analysis is often straightforward; the complaint itself is the claim.

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Hawaii Supreme Court Bars Insurers from Billing Policyholders for Uncovered Defense Costs

Across the country, there is a split in authority as to whether an insurance company should be allowed to recoup defense costs where it is ultimately determined that the carrier has no duty to defend under the policy and the policy is silent as to such reimbursement.

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Life Insurance Contestability Clauses and Post-Claim Underwriting: A Beneficiary's Pitfall

Insurance is supposed to give us some level of confidence that should coverage be needed, it will be there. Often, however, this expectation does not correlate with reality, and beneficiaries are faced with unexpected denials on technical grounds. Life insurance is no exception.

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CGL Policy May Not Cover Cybersecurity and Data-Related Losses

The construction industry, like many other industries, has experienced an increased reliance on, and implementation of, technology in the past few years.

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Recent Florida Legislative Changes Shorten Both Statute of Limitation ("SOL") and Statute of Repose ("SOR") for Construction Defect Claims

The Florida Legislature and Governor DeSantis passed Senate Bill 360, effective April 13, 2023, which imposes significant changes to Florida's statute of limitation ("SOL") and statute of repose ("SOR") periods prescribed in Florida Statute § 95.11.

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The "Expected or Intended" Erosion of the Duty to Defend in Opioid Litigation

The opioid crisis in America is undoubtedly one of the most pervasive and unrelenting public health emergencies that our country has faced in recent memory. Consequently, our nation's court system has been taxed with the unenviable job of weighing the moral and legal ramifications of the pharmaceutical industry's actions in the context of an ever-growing number of opioid-related lawsuits.

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SDV is headquartered in Connecticut, with regional offices located in New York, New Jersey, Florida, and California to better serve our clients nationwide. We have the experience and insight to effectively address your insurance coverage concerns and provide practical solutions to any risk transfer challenges you face.