Like emergency room doctors, cops and priests in the confessional booth, insurance people are often asked to clean up the messes that people makeand worse, theyre expected to pay for them.

Illinois is a four corners state in which determining a duty to defend relies totally upon the wording of the lawsuit and the policy. No facts extrinsic to the pleadings or the policy wording are allowed to impinge upon the court's analysis of the duty to defend. This rule, followed...

Across the US, states have enacted laws legalizing marijuana for medical and, in some cases, recreational use. Employers must balance these recent changes to longstanding laws with their desire to maintain safe and drug-free workplaces.