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Industry news, expert analysis, and daily updates on the most significant insurance coverage legal developments—from the insurance and legal experts of The National Underwriter Company.


Commercial Property
Utility’s Pre-Sandy Power Shutdown Did Not Cause “Direct Physical Loss” to Unharmed Office, Court Rules – But It Rejects Insurer’s Argument that Flood Exclusion Would Have Applied
A federal district court in New York has rejected a law firm’s “loss of business income” claim resulting from a utility’s decision to shut down power in anticipation of Superstorm Sandy’s arrival, finding that because the firm’s office had not been damaged, the firm had not suffered “direct physical loss or damage.” However, the court also found, in dicta, that if there had been such a loss, coverage would not have been excluded by the policy’s flood exclusion because “flooding” and concerns of “imminent flooding damage” were not equivalent. Read More

Commercial Auto

Is “Domestic Employee” Someone Who Works in a Household or an Employee Who Is a U.S. Citizen?
A Texas appellate court has ruled that the phrase “domestic employee” as used in a business automobile insurance policy was not ambiguous and referred to someone who worked in a household – rather than to an employee who was a U.S. citizen. Read More

Automobile Insurance
Appeals Court Upholds Dismissal of Husband’s Suit against Insurer Alleging that It Had Improperly Canceled Coverage on His Pickup on Instructions of His Wife, After They Had Separated
An appellate court in Iowa has affirmed a trial court’s decision dismissing a husband’s complaint against his insurance carrier for improperly canceling the coverage on his pickup truck upon the instruction of his wife, from whom he had separated. Read More

Excess Insurer May Not Object to Bankrupt Company’s Settlement with Insurer, Seventh Circuit Holds in Opinion by Judge Posner
The U.S. Court of Appeals for the Seventh Circuit, in an opinion by Judge Richard A. Posner, has ruled that a nonparty excess insurer of a bankrupt company was not a “party in interest” in the company’s bankruptcy case that could object to its settlement of a dispute with one of its insurance carriers. Read More

View All Case Law Developments

In the States

Florida Legislation Would Set New Solvency Standards for Insurance Companies
The Florida legislature has passed a bill, SB 1308, that makes fundamental changes to insurer solvency regulation in the state. Read More

International Regulation

Final Paper on Point of Sale Disclosure in Insurance and Other Sectors Is Released by Joint Forum
The Joint Forum has released its final report on point of sale disclosure in the insurance, banking, and securities sectors. Read More

View All Legislative/Regulatory Developments
The Reinsurance Association of America Elects 2014-2015 Officers Read More

Kathleen Reardon Promoted to CEO of Hamilton Re 
Read More

Large Employers “Fully Committed” to Company-Sponsored Benefits, Express Mixed Reaction to Private Health Insurance Exchanges, National Survey Shows 
Read More

Great American Insurance Group Introduces Workers’ Compensation Alternative in Oklahoma 
Read More

“Fundamental Curtailment of Wide Ranging Commercial General Liability Coverage? The ‘Classification Limitation Endorsement’ – Part V” is Published in FC&S Legal’s Flagship Publication, the Insurance Coverage Law Report 
Read More

View All Industry News
Form Analysis
Endorsements Used with Personal Auto


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60px_newMeyerowitz Steven A. Meyerowitz, ESQ.
Director, FC&S Legal
60px_newSpears Victoria Prussen Spears, ESQ.
Associate Director, FC&S Legal
FC&S Legal Editorial Advisory Board
Mitchell J. Auslander, Willkie Farr & Gallagher LLP
Carrie Cope, Schuyler, Roche & Crisham, P.C.
Anjali C. Das, Wilson Elser
John F. Finnegan, Chadbourne & Parke LLP
Michele L. Jacobson, Stroock & Stroock & Lavan LLP
Timothy P. Law, Reed Smith LLP
Donald S. Malecki, Malecki, Deimling, Nielander &
Associates, LLC
Cort T. Malone, Anderson Kill & Olick, P.C.
D. Milone, Kelley Drye & Warren LLP
Joseph P. Monteleone, Tressler LLP
Anne M. Murray, Rivkin Radler LLP
Jerold Oshinsky, Kasowitz, Benson, Torres &
Friedman LLP
Seth B. Schafler, Proskauer Rose LLP
David D. Thamann, The National Underwriter Company

FC&S Daily Legal Report ($1,295 annual subscription) is included as part of your subscription to FC&S Legal: The Insurance Information Center. FC&S Daily Legal Report and The Insurance Coverage Law Report are publications of The National Underwriter Company. For more information, visit To subscribe to FC&S Legal, please contact customer service at 1-800-543-0874 or

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