Lots of times, businesspeople who buy insurance make (reasonable) assumptions. For example: “If I have employment practices liability insurance, I must be covered for claims arising out of employment practices…right?”
Mmmmm…not so fast. Most EPLI policies contain a hidden gap that’s wide enough to drive an eighteen-wheeler through.
EPLI coverage came on the market a…
Awhile back on this blog, we were discussing developments in insurance bad faith law, and I hypothesized that Courts were generally more apt to find bad faith in cases involving a carrier’s delay of benefits, rather than outright denial. But what if the outright denial contains a bald-faced lie, or a deliberate omission? In that…
Back in the 1980s, when we were all fighting over the meaning of the “sudden and accidental” pollution exclusion, it became fashionable for coverage lawyers to quote “Alice in Wonderland.” If memory serves, there was even a battle of law review articles (sponsored by the insurance industry on one side and corporate policyholders on the…