SDV Insights

Overbroad Wrap Exclusion Can Hamper Additional Insured Risk Transfer

SDV Partner Gregory Podolak recently published "Overbroad Wrap Exclusion Can Hamper Additional Insured Risk Transfer," another Expert Commentary article for IRMI.

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California Court of Appeal Clarifies Intent of Faulty Workmanship Exclusions

A California Court of Appeal recently released a policyholder-friendly decision clarifying the meaning of the often-arising Faulty Workmanship exclusions — j.(5) ...

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No General Liability Coverage for an Obstacle Course Race Injury

With the rise in popularity of obstacle course racing, millions have participated in races like Spartan Race, Rugged Maniac, Tough Mudder and Warrior Dash in the last ten years.

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Not So Unambiguous: California Court of Appeal Finds Coverage for Additional Insured

In early September, California, again, proved itself to be a pro-policyholder state, in a recent court of appeal decision. The court of appeal stated that manuscript additional insured endorsement language which provided coverage, "but only with respect to liability arising out of 'your work' and only as respects ongoing operations..." and "but only with respect to liability arising out of 'your work' which is ongoing...", did not unambiguously foreclose coverage for completed operations.

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PA High Court: Proof of Insurer's Ill Will is Not Required for Bad Faith Claim

On September 28, the Pennsylvania Supreme Court rendered an opinion adopting a two-part test for proving a claim under Pennsylvania's bad faith statute. To prevail on a statutory bad faith claim, "the plaintiff must present clear and convincing evidence (1) that the insurer did not have a reasonable basis for denying benefits under the policy and (2) that the insurer knew of or recklessly disregarded its lack of a reasonable basis."

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The Connecticut Appellate Court Finds Single Auto Policy Limit Applies to Two Claims

The Connecticut Appellate Court recently held that a single "per-person" auto policy limit of insurance applied to a spouse's loss of consortium claim because it was not truly independent from the related bodily injury claim.

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The Dog Ate My Exclusion! - Georgia Federal Court: No Reformation to Add Pollution Exclusion

While schoolchildren know that the classic "the dog ate my homework" excuse doesn't work, insurance companies are willing to try a variation of that excuse. Ace American Insurance Company (Ace), sold a property policy (the Policy) to Exide Technologies, Inc. (Exide). Exide sought coverage under the Policy for acid damage at its former battery factory. Ace denied coverage, citing to the pollution exclusion. The only problem? The Policy contained no pollution exclusion!

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Affirmed: Insureds Bear the Burden of Allocating Covered Versus Uncovered Losses

The Second Circuit recently affirmed that an insured bears the burden of distinguishing between covered and uncovered damages in a claim against an insurance company.

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South Dakota Supreme Court Holds That Faulty Workmanship Constitutes an "Occurrence"

If you have a commercial general liability policy that is subject to South Dakota law, damages resulting from faulty workmanship constitute an “occurrence” ...

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Captive Owners Face the Music in Long-Awaited Tax Court Decision

The United States Tax Court recently made it harder for business owners to form captive insurance companies for the sole purpose of obtaining tax benefits.

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