SDV Insights

Top 10 Insurance Cases of 2018

2018 was a year of landmark decisions regarding insurance coverage for a variety of emerging claims, including cyber fraud, the "me too" movement, and wildfires. Read on to learn more as well as to find out what cases you should keep your eye on as 2019 unfolds.

Read More +

Insurer's Knowing Violation of Texas Insurance Code May Entitle Insured to Treble Damages

The Fifth Circuit's recent opinion in Lyda Swinerton Builders, Inc. v. Oklahoma Sur. Co. includes policyholder-friendly holdings on Texas law concerning the duty to defend and the potential to recover treble damages for an insurer's knowing violation of Texas Insurance Code. In this case, the Fifth Circuit did justice to the broad scope of the duty to defend, making inferences from the complaint and the policy to find a potential of coverage.

Read More +

Texas Court Requires Insurer to Defend GC Despite Breach of Contract Exclusion

In a suit filed by an owner against a general contractor for alleged construction defects at a new sports complex, the general contractor's commercial general liability insurer failed to defend its insured. The Western District of Texas ruled in the general contractor's favor and found that the insurer had a duty to defend, despite a breach of contract exclusion in the general contractor's GL policy.

Read More +

A Guide to Homeowners' Insurance for California Wildfire Losses

In 2017 and 2018 alone, California experienced the two largest and the first and fourth deadliest fires in its history. Sadly, a University of California report predicts that the frequency and potency of these fires will only continue to increase in the coming years and decades, increasing the importance of knowing about insurance.

Read More +

Fourth Circuit Rejects Application of Wrap-Up Exclusion to Additional Insured

Utilizing an owner-controlled or contractor-controlled insurance program (collectively known as "wrap-ups") can reduce claims, save costs, and give owners and general contractors comfort in knowing their project is adequately insured. However, problems often arise when a subcontractor doesn't enroll in the wrap-up and, instead, agrees to provide additional insured coverage to the owner and general contractor on the subcontractor's own general liability policy.

Read More +

KY Mining Accident Not a Covered Occurrence Under Commercial General Liability Policy

In Am. Mining Ins. Co. v. Peters Farms, LLC, the Kentucky Supreme Court ruled that a mining error was not a covered accident under a commercial general liability insurance policy. The central issue was whether an insured mining company's unauthorized removal of minerals from neighboring property was an "occurrence" caused "property damage" as defined by the mining company's commercial general liability policy ("CGL Policy").

Read More +

The Alphabet Soup of International Data Privacy Rules Thickens - PIPEDA Regulations Took Effect in Canada on Nov. 1 and They May Affect You

Just as the businesses in the US were becoming familiar with the EU General Data Protection Regulation ("GDPR") and realizing it may apply to them, Canada came out with its own data privacy regulations under the Personal Information Protection and Electronic Document Act ("PIPEDA").

Read More +

Top 10 List of Scariest Insurance Policy Terms

SDV attorneys spend a lot of time reviewing insurance policies for our construction industry clients. From analyzing policies that are meant to provide additional insured coverage to our general contractor clients, to parsing through OCIP and CCIP placements sent to us by our broker colleagues, we've seen it all. Sometimes coverage can be a scary thing, so in honor of Halloween, here is our "Top 10 List of Scariest Insurance Policy Terms" we've seen over the past year.

Read More +

To Bee or Not to Bee - CA Court Finds Denial of Coverage Based on Exclusion was Premature Where Facts had not been Judicially Determined

While I typically discuss cases concerning pollution, today I will change a few letters around and discuss pollination. The case, Unigard Insurance Co. et al. v. George Perry and Sons Inc. et al., asks whether there is coverage for a lawsuit brought against a commercial farm that is alleged to have killed off bee colonies used for pollination.

Read More +

Effects of Amendment to Florida's Statute of Repose on the Products Completed Operations Hazard

Recent amendments to Florida's Statute of Repose have resulted in concerns as to the scope of risk Florida homebuilders face as a result, and the availability of insurance coverage for such exposures. Previously, the statute provided for a strict, yet straightforward 10-year limitation for latent construction defect claims.

Read More +

CONTACT US


The email you are sending does not create an attorney-client relationship with SDV. We do not agree to representation until we have performed a check for conflicts of interest and expressly agree to provide services in a particular matter via an engagement letter. The information submitted to us via this website will NOT be treated as confidential or privileged as a lawyer/client communication and our receipt of this information does not prevent us from representing a client related to the subject of your inquiry.

Northeast

35 Nutmeg Drive
Trumbull, CT 06611

203.287.2100

233 Mount Airy Road
Basking Ridge, NJ 07920

973.446.7300

Southeast

999 Vanderbilt Beach Road, Ste 603
Naples, FL 34108

239.316.7244

West Coast

Two BetterWorld Circle
Temecula, CA 92590

951.365.3145

SDV is headquartered in Connecticut, with regional offices in New Jersey, Florida, and California to better serve our clients. We are ready to answer your questions and are eager to assist you in developing solutions.