The Delaware Superior Court ruled in favor of AMC after looking at the policy's definition of "loss".

Artificial intelligence and autonomous technologies are rapidly changing liability risks, with traditional insurance policies struggling to cover these new exposures. Insurers are responding with new exclusions and specialized products, and policyholders must review their coverage, consult insurers about dedicated AI solutions, and negotiate endorsements for emerging risks.

Per- and polyfluoroalkyl substances—known as "forever chemicals" due to their extreme persistence in the environment and human body—continue to fuel one of the largest and most complex mass tort waves in U.S. history. While water contamination settlements have advanced, personal injury outcomes remain uncertain, placing significant pressure on umbrella and excess liability programs.

Few issues carry as much potential for catastrophic financial surprises as the bankruptcy or insolvency of either the insured or — more commonly and insidiously — one or more underlying insurers in an umbrella or excess liability program. Persistent inflation in jury verdicts, rising defense costs, and a series of high-profile insurer financial dislocations have once again cast sunlight on the adequacy (or inadequacy) of policy language designed to address insolvency scenarios.

What you need to know about the current issues with availability and capacity of current umbrella policies.

Umbrella and excess liability policies offer added coverage beyond primary insurance. Umbrella policies offer broader coverage and higher limits, while excess liability policies add to existing coverage but don't usually expand its scope. These policies help safeguard individuals and businesses against major financial losses from lawsuits or claims. This article explains how to find and address non-concurrent dates in insurance portfolios to ensure more comprehensive protection.

An overview of the current market for personal umbrella liability policies as of 2026.

This article describes quota share arrangements, outlines advantages and disadvantages, examines key issues including lawsuits and claims management, and offers a best-practices checklist.

The court made their determination based on the policy language of each individual contract.

The court made their determination based on the policy language of each individual contract.