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In part two of this series, review the history of pollution exclusions and some potential defense strategies to circumvent it.
'Forever chemical' claims have exploded in recent years, with plaintiffs alleging hundreds of millions and even billions of dollars in damages.
The meaning of "physical loss or damage" has been the centerpiece of virtually every COVID-19 business interruption case.
Courts are leaning on previous decisions instead of the language in each policy, which is raising significant issues for appeal.
U.S. courts managed to issue some fairly notable rulings outside of the COVID-19 context last year.
An unprecedented year brought never-before-seen cases to court. Here are the most notable BI coverage decisions of last year.
Companies brought into litigation over opioids may find refuge, or at least a defense, through their insurance policies.
When insurers defend their insureds against lawsuits, it's important for attorneys and their clients to remain vigilant of the insurer's conduct.
No matter the type of insurance, policy exclusions are always of critical importance.
Here are six insurance coverage decisions from 2019 that will help shape the coverage landscape for years to come.
{ "author": { "name": "Michael S Levine", "webUrl": "/author/profile/michael-s-levine/", "description": "", "imageLarge": "https://secure.gravatar.com/avatar/f16d6fc2845f417ea0e93a3f2b6cd37d?s=136&d=mm&r=g", "estimate": 15, "social": [], "articles": [ { "uri": "/2023/08/31/cgl-policies-and-coverage-for-forever-chemical-product-liabilities-part-2/", "title": "CGL policies and coverage for 'forever chemical' product liabilities (part 2)", "byline": "Michael S. Levine, Lorelie S. Masters and Charlotte Leszinske", "kicker": "Analysis", "prettyDate": "August 31, 2023", "timeToRead": "10 minute", "image": { "uri": "https://images.propertycasualty360.com/contrib/content/uploads/sites/414/2023/08/PFAS-foam-39601591511_4ef24128b2_h.jpg", "width": "767", "height": "633" }, "authors": [ { "webUrl": "/author/profile/michael-s-levine-lorelie-s-masters/", "name": "Michael S. Levine, Lorelie S. Masters" }, { "webUrl": "/author/profile/charlotte-leszinske/", "name": "Charlotte Leszinske" } ], "kickerNode": [ { "uri": "/analysis/", "sectionName": "Analysis" } ], "summary": "In part two of this series, review the history of pollution exclusions and some potential defense strategies to circumvent it.", "body": null }, { "uri": "/2023/08/30/cgl-policies-and-coverage-for-forever-chemical-product-liabilities-part-1/", "title": "CGL policies and coverage for 'forever chemical' product liabilities (part 1)", "byline": "Michael S. Levine, Lorelie S. Masters, and Charlotte Leszinske", "kicker": "Analysis", "prettyDate": "August 30, 2023", "timeToRead": "9 minute", "image": { "uri": "https://images.propertycasualty360.com/contrib/content/uploads/sites/414/2023/08/Firefighter-Foam-767x633.jpg", "width": "767", "height": "633" }, "authors": [ { "webUrl": "/author/profile/michael-s-levine-lorelie-s-masters/", "name": "Michael S. Levine, Lorelie S. Masters," }, { "webUrl": "/author/profile/charlotte-leszinske/", "name": "Charlotte Leszinske" } ], "kickerNode": [ { "uri": "/analysis/", "sectionName": "Analysis" } ], "summary": "'Forever chemical' claims have exploded in recent years, with plaintiffs alleging hundreds of millions and even billions of dollars in damages.", "body": null }, { "uri": "/2022/12/15/the-insurance-industrys-covid-sin-414-231658/", "title": "The insurance industry's COVID sin", "byline": "Greg Gotwald and Michael S. Levine", "kicker": "Commentary", "prettyDate": "December 15, 2022", "timeToRead": "9 minute", "image": { "uri": "https://images.propertycasualty360.com/contrib/content/uploads/sites/414/2022/12/COVID-closed-sign.jpg", "width": "621", "height": "372" }, "authors": [ { "webUrl": "/author/profile/greg-gotwald/", "name": "Greg Gotwald" }, { "webUrl": "/author/profile/michael-s-levine/", "name": "Michael S. Levine" } ], "kickerNode": [ { "uri": "/commentary/", "sectionName": "Commentary" } ], "summary": "The meaning of \"physical loss or damage\" has been the centerpiece of virtually every COVID-19 business interruption case.", "body": null }, { "uri": "/2021/07/12/are-courts-ignoring-policy-interpretation-rules-in-covid-decisions-414-205774/", "title": "Are judges putting aside policy interpretation rules in COVID decisions?", "byline": "Michael S. Levine, Geoffrey B. Fehling and William P. Sowers Jr.", "kicker": "Expert Opinion", "prettyDate": "July 12, 2021", "timeToRead": "6 minute", "image": { "uri": "https://images.propertycasualty360.com/contrib/content/uploads/sites/414/2021/07/Out-of-Business-Article-202107111725.jpg", "width": "620", "height": "372" }, "authors": [ { "webUrl": "/author/profile/michael-s-levine-geoffrey-b-fehling/", "name": "Michael S. Levine, Geoffrey B. Fehling" }, { "webUrl": "/author/profile/william-p-sowers-jr/", "name": "William P. Sowers Jr." } ], "kickerNode": [ { "uri": "/expert-opinion/", "sectionName": "Expert Opinion" } ], "summary": "Courts are leaning on previous decisions instead of the language in each policy, which is raising significant issues for appeal.", "body": null }, { "uri": "/2021/02/11/top-insurance-cases-of-2020-part-2-other-noteworthy-cases-414-196768/", "title": "The most significant insurance coverage lawsuits of 2020", "byline": "Michael S. Levine, Latosha M. Ellis, and Matthew Revis", "kicker": "Analysis", "prettyDate": "February 11, 2021", "timeToRead": "12 minute", "image": { "uri": "https://images.propertycasualty360.com/contrib/content/uploads/sites/414/2020/05/Legislative-update-3-Bigstock.jpg", "width": "620", "height": "372" }, "authors": [ { "webUrl": "/author/profile/michael-s-levine-latosha-m-ellis/", "name": "Michael S. Levine, Latosha M. Ellis," }, { "webUrl": "/author/profile/matthew-revis/", "name": "Matthew Revis" } ], "kickerNode": [ { "uri": "/analysis/", "sectionName": "Analysis" } ], "summary": "U.S. courts managed to issue some fairly notable rulings outside of the COVID-19 context last year.", "body": null }, { "uri": "/2021/02/05/top-insurance-cases-of-2020-part-1-business-interruption-414-196450/", "title": "The most significant business interruption cases of 2020", "byline": "Michael S. Levine, Latosha M. Ellis and Matthew Revis", "kicker": "Analysis", "prettyDate": "February 05, 2021", "timeToRead": "6 minute", "image": { "uri": "https://images.propertycasualty360.com/contrib/content/uploads/sites/414/2021/02/COVID19-Lawsuit_Valery-Evlakhov-for-Shutterstock-dot-com.jpg", "width": "620", "height": "372" }, "authors": [ { "webUrl": "/author/profile/michael-s-levine-latosha-m-ellis/", "name": "Michael S. Levine, Latosha M. Ellis" }, { "webUrl": "/author/profile/matthew-revis/", "name": "Matthew Revis" } ], "kickerNode": [ { "uri": "/analysis/", "sectionName": "Analysis" } ], "summary": "An unprecedented year brought never-before-seen cases to court. Here are the most notable BI coverage decisions of last year.", "body": null }, { "uri": "/2020/03/03/insurance-coverage-for-claims-stemming-from-the-national-opioid-crisis/", "title": "Insurance coverage for claims stemming from the national opioid crisis", "byline": "Lorelie S. Masters, Michael S. Levine & Michelle M. Spatz", "kicker": "Analysis", "prettyDate": "March 03, 2020", "timeToRead": "7 minute", "image": { "uri": "https://images.propertycasualty360.com/contrib/content/uploads/sites/414/2020/03/shutterstock_388900102_prescription-meds_Falcon.jpg", "width": "616", "height": "372" }, "authors": [ { "webUrl": "/author/profile/lorelie-s-masters-michael-s-levine/", "name": "Lorelie S. Masters, Michael S. Levine" }, { "webUrl": "/author/profile/michelle-m-spatz/", "name": "Michelle M. Spatz" } ], "kickerNode": [ { "uri": "/analysis/", "sectionName": "Analysis" } ], "summary": "Companies brought into litigation over opioids may find refuge, or at least a defense, through their insurance policies.", "body": null }, { "uri": "/2020/02/26/court-you-can-create-coverage-for-estoppel-if-insurers-defense-prejudices-the-insured-414-172063/", "title": "Court: Estoppel coverage can be created if defense prejudices the insured", "byline": "Walter J. Andrews, Michael S. Levine and Yaniel Abreu", "kicker": "Case Study", "prettyDate": "February 26, 2020", "timeToRead": "6 minute", "image": { "uri": "https://images.propertycasualty360.com/contrib/content/uploads/sites/414/2020/02/Courtroom-2-Shutterstock.jpg", "width": "620", "height": "372" }, "authors": [ { "webUrl": "/author/profile/walter-j-andrews-michael-s-levine/", "name": "Walter J. Andrews, Michael S. Levine" }, { "webUrl": "/author/profile/yaniel-abreu/", "name": "Yaniel Abreu" } ], "kickerNode": [ { "uri": "/case-study/", "sectionName": "Case Study" } ], "summary": "When insurers defend their insureds against lawsuits, it's important for attorneys and their clients to remain vigilant of the insurer's conduct.", "body": null }, { "uri": "/2020/02/21/year-in-review-top-policy-exclusion-cases-of-2019-414-172225/", "title": "Top policy exclusion cases of 2019", "byline": "Michael S. Levine & Latosha M. Ellis", "kicker": "Case Study", "prettyDate": "February 21, 2020", "timeToRead": "5 minute", "image": { "uri": "https://images.propertycasualty360.com/contrib/content/uploads/sites/414/2020/02/judge-gavel.jpg", "width": "616", "height": "372" }, "authors": [ { "webUrl": "/author/profile/michael-s-levine/", "name": "Michael S. Levine" }, { "webUrl": "/author/profile/latosha-m-ellis/", "name": "Latosha M. Ellis" } ], "kickerNode": [ { "uri": "/case-study/", "sectionName": "Case Study" } ], "summary": "No matter the type of insurance, policy exclusions are always of critical importance.", "body": null }, { "uri": "/2020/02/11/year-in-review-six-more-noteworthy-decisions-of-2019-414-171457/", "title": "Noteworthy insurance cases from 2019", "byline": "Michael S. Levine & Latosha M. Ellis", "kicker": "Case Study", "prettyDate": "February 11, 2020", "timeToRead": "9 minute", "image": { "uri": "https://images.propertycasualty360.com/contrib/content/uploads/sites/414/2020/01/Courtroom-Shutterstock-1.jpg", "width": "620", "height": "372" }, "authors": [ { "webUrl": "/author/profile/michael-s-levine/", "name": "Michael S. Levine" }, { "webUrl": "/author/profile/latosha-m-ellis/", "name": "Latosha M. Ellis" } ], "kickerNode": [ { "uri": "/case-study/", "sectionName": "Case Study" } ], "summary": "Here are six insurance coverage decisions from 2019 that will help shape the coverage landscape for years to come.", "body": null } ] } }
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