Like most states, Florida enacted a risk-shifting statute for attorneys’ fees and costs when litigants make a statutory proposal for settlement. Florida Statute § 768.79 establishes that framework for proposals…
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Mississippi Federal Court Finds Social Engineering Endorsement Required Pre-Existing Business Relationship
A new decision from a Mississippi federal court highlights how subtle limitations in policy wording may restrict the types of fraudulent transactions covered by a social engineering insuring agreement. In…
When Federal Contracts Meet Insurance Coverage – Part 4: Liability to Third Persons Under FAR 52.228-7
In Part 1 of this series, we introduced the Federal Acquisition Regulation’s (FAR) approach to insurance and risk allocation in federal procurement, focusing on FAR Part 28 and the insurance-related…
Texas Federal Court Reinforces Single Limit for Social Engineering Loss Arising from Multiple Payments
A recent decision from the U.S. District Court for the Western District of Texas offers a cautionary reminder for policyholders evaluating cyber coverage. In Perry & Perry Builders, Inc. v.
The Eleventh Circuit Just Gave Us a Roadmap for Using AI to Interpret Insurance Policies — and Coverage Lawyers Should Pay Attention
In this blog series, we explore the promises and the pitfalls of AI tools in the insurance coverage context, offering practical guidance for lawyers and business professionals to harness these…
When Federal Contracts Meet Insurance Coverage – Part 3: Liabilities for Workers Under FAR 52.228-3 (Defense Base Act and Related Requirements)
In Part 1 of this series, we introduced the Federal Acquisition Regulation’s (FAR) approach to insurance and risk allocation in federal procurement, focusing on FAR Part 28 and the insurance-related…
As Winter Storm “Fern” Thaws, Take Note of Keys to Insurance Recovery
As the great thaw is underway across much of the country, Winter Storm Fern is now poised to be the most expensive weather event to hit the U.S., with…
Insurance – Texas Style, Part 2: Stowers Liability and Bankruptcy
This is the second in a series of discussions about insurance issues unique to the Lone Star State.
Both bankruptcy and the ability for a policyholder to assign its first-party…
When Federal Contracts Meet Insurance Coverage – Part 2: Automobile Liability Under FAR 52.228-8 and FAR 52.228-10
In Part 1 of this series, we introduced the Federal Acquisition Regulation’s (FAR) approach to insurance and risk allocation in federal procurement, with a focus on FAR Part 28 and…
Relationship Limits: 11th Circuit Reins in Scope of “Relating To” in Insurance Policy Exclusions
Insurers often rely on introductory phrases in exclusions, such as the phrase “relating to,” to expand the scope of exclusions beyond all reasonable bounds. The Eleventh Circuit recently reaffirmed that…


