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 insurance exclusions — including those broadly drafted to exclude any claim “relating to” an excluded risk — should have meaningful limits and must be interpreted
Insurance coverage disputes often rise or fall on sweeping questions — trigger theories, allocation frameworks, priority of coverage. But sometimes the battle comes down to something dramatically smaller: a comma. Or, as two recent cases reveal, the lack of a comma. Both Garlock v. Jordan, 260 N.E.3d 42 (Ohio Ct. App. 2025), and Accelerant
A recent coverage decision by the Delaware Superior Court in Motive Technologies, Inc. v. Associated Industries Insurance Company shows that examining the full timeline of allegations in a lawsuit can defeat policy exclusions barring coverage for litigation arising out of past events.
Underlying the coverage dispute was a lawsuit between two companies in the business
In the home health care business? Whether a franchisor, franchisee, or independent agency, beware of bodily injury exclusions in professional liability policies that could eliminate coverage for otherwise covered claims.
Home healthcare agencies often operate as franchisees, relying on the franchisor for development of the franchise, and once up and running, utilizing the franchisors’ advertising