Insurance policies are supposed to protect your business when things go wrong. But what if the coverage you think you have isn’t actually there when you need it?
Many organizations assume their policies are comprehensive simply because they renew them each year. However, policy language evolves, business operations change and coverage gaps can emerge without…
Through late 2025, more than 88% of businesses reported incorporating artificial intelligence (AI) into at least one business function.[1] Much has been written about the widespread adoption of AI. It presents businesses and their leaders with a massive opportunity to streamline process and reduce costs. But general counsel, legal departments and C-suite executives must…
Overview of Issues
In Gharibian et al., v. Wawanesa General Insurance Company, the California Second District Court of Appeal found that, under California law, the insureds failed to prove smoke, soot, ash and fire debris on covered property constituted “direct physical loss to property” as required by the insureds’ property policy.
Although the ruling was…
Coming on the heels of what are projected to be the costliest wildfires in California history, a new decision from the California Second District Court of Appeals could make it more difficult to obtain insurance coverage for policyholders owning properties outside the direct burn zone of the devastating Palisades and Eaton wildfires in Southern California.…
When wildfires strike, the road to recovery can be overwhelming — but understanding your insurance coverage shouldn’t be. This informative webinar is designed to help property owners and businesses affected by the Los Angeles wildfires navigate the complexities of insurance claims. Nancy Sher Cohen and Kim Winter share practical tips for interpreting key policy provisions…
With at least 16 deaths claimed and thousands of properties burned to the ground, the recent Los Angeles wildfires have been some of the deadliest and most destructive to date, and, unfortunately, their fiery paths continue. Even businesses fortunate enough to escape direct fire damage have felt the impact as surrounding fires, evacuation orders, downed…
In recent years, intellectual property (IP) claims have been on the rise—patent disputes, infringement claims, unlicensed use of social media content—all often lead to expensive IP litigation. While most businesses are familiar with and purchase Commercial General Liability (CGL) policies, there is an often-overlooked section that can be a powerful tool for protection in IP-related…
Current reports estimate there will be over $5 billion in insured losses from Hurricane Helene, as the devastating hurricane tore through at least six states and has resulted in over 100 deaths since Thursday, September 26, 2024.
In addition to flooded roads, a lack of basic services, and stranded individuals, Hurricane Helene brought catastrophic damage…
Listed below are the latest additions to “The Policyholder Project: Insurance Literacy”. These videos provide definitions and explanations of critical insurance concepts, providing policyholders with valuable insights to navigate the complex world of insurance confidently.
The next six videos (listed below) have been posted to Lathrop GPM’s Video Library and our YouTube channel. To…
In our previous blog post, we introduced the ongoing initiative, “The Policyholder Project: Insurance Literacy”, which aims to promote insurance literacy and empower policyholders with knowledge and understanding. Building upon the positive reception of our initial video releases, we are excited to present the latest additions to “The Policyholder Project: Insurance Literacy”. These videos delve…
