SDV Insights

What is Labor Guard?

Labor Guard is a project-specific insurance policy for project owners and general contractors operating in New York. The fundamental principle of the program is good risk transfer. SDV is retained to review subcontractor insurance policies and ensure that they meet specific minimum requirements, which are critical to transferring claims off the owner or general contractor's insurance program and on to the responsible subcontractor's insurance.

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Third Circuit Holds That Duty to Indemnify "Follows" Duty to Defend

In a win for policyholders, the Third Circuit Court of Appeals recently affirmed a District Court's 2018 ruling, which held that the duty to indemnify follows the duty to defend where a settlement precludes a determination on the facts of the case relative to liability and apportionment.

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Checklist: What to Know About Wildfire Insurance Coverage

California, and the greater Western United States, has experienced devastating wildfires over the last ten years. Not only are the fires more destructive than years past, they are no longer constrained to specific seasons. Because one of the effects of climate change is a dryer and hotter climate in the West, California is susceptible to fires year round. This means that it is increasingly a matter of when, not if, your home or business may be susceptible to a wildfire.

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New York Court of Appeals Holds SEC Disgorgement Payment is a Covered Loss in Policyholder Win

In J.P. Morgan Securities Inc. v. Vigilant Ins. Co., the New York Court of Appeals recently issued a policyholder-friendly ruling finding a $140 million disgorgement payment to the SEC was not a "penalty imposed by law" and was therefore not excluded from qualifying as a covered "loss" under a professional policy issued to securities brokers and dealers.

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Delaware Doles Out Win For D&O Corporate Fraud Insurance Coverage

A recent Delaware Supreme Court decision addressed two important issues for directors and officers ("D&O") policyholders incorporated in Delaware: 1) As a matter of public policy, whether insurance is available to cover fraudulent conduct by a corporation's directors or officers; and 2) When a D&O corporate liability policy lacks an effective choice of law provision, which state's law should be applied?

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Montana Federal District Court Finds for Insurer in Pollution Coverage Dispute

Applying Louisiana law, a recent federal court decision exemplifies why policyholders should thoroughly read claims-made policies to understand when notice is due to insurers and truthfully complete policy applications.

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Hurricane Handbook: A Policyholder's Guide to Handling Claims during Hurricane Season

SDV's Natural Disaster Recovery Group presents the Hurricane Handbook: A Policyholder's Guide to Handling Claims during Hurricane Season. This handbook intends to be a practical guide on policyholder issues, both homeowners and business owners alike, when preparing for hurricane season and handling claims after a loss due to a hurricane.

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Recommendations for Property Owners After A Hurricane: Submit a Claim

If you suffered damage as a result of a hurricane, you should submit a claim under any insurance policy you have that might apply. This includes flood insurance, homeowner's insurance, renter's insurance, condo insurance, and auto insurance. Some of these policies may have limitations, or even not apply, to losses associated with hurricanes, but the best practice is to submit the claim to ensure no opportunities for coverage missed.

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Identifying and Accessing Coverage in Complex Construction Claims

First-party, third-party, builder's risk, professional liability, general liability, wrap-ups, and additional insured status are all potential sources of insurance coverage for a large construction loss.

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Status Update - Unpaid Wage Law, New York Senate Bill S2766C

New York has enacted an unpaid wage law that imposes liability upon upstream contractors. Senate Bill S2766C is intended to provide recourse to construction workers whose employers fail to pay wages owed for completed work.

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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.