Trigger of Coverage

Last week was the one-year anniversary of Harleysville Mut. Ins. Co. v. Hartford Cas. Ins. Co., 2015 WL 859586 (E.D.N.C. Feb. 27, 2015), in which the United States District Court for the Eastern District of North Carolina required five insurers to equally contribute to the defense of a mutual insured in connection with three underlying…


Eroding Limits: Benefit, Burden, or Both?

In recent discussions with clients regarding the development of professional liability coverage, I was asked whether we would be “better off” with eroding limits coverage.  That question sparked an interesting discussion about the value of eroding limits in cases where defense costs represent the majority of exposure and the impact that eroding limits can have…


Agreement Between US Government and Auto Makers on Issues Affecting Insurance Industry

Last week, automakers and the US government reached an agreement on ways to improve safety, including warding off cyber-attacks in the ever-increasing number of Internet-connected vehicles and supporting the safe deployment of autonomous vehicles.   This collaborative approach by regulators and industry leaders highlights the overlap between automobile liability, cyber security, and autonomous vehicles.