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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 General Liability
Microorganism and Seepage Exclusions Bar Coverage for Restoring Apartment after Tenant's Death, Third Circuit Confirms
The U.S. Court of Appeals for the Third Circuit, affirming a district court's decision, has ruled that microorganism and seepage exclusions in a commercial general liability ("CGL") insurance policy barred coverage of a claim for remediating and restoring an apartment following the death of a tenant. Read More

Professional Liability Insurance

Insurer Must Defend Claims that Radiologists Injected Tainted Drug Purchased from New England Compounding Pharmacy, Court Rules
A federal district court in West Virginia has ruled that a medical professional liability insurance company was obligated to defend two radiologists and their employer against claims that they had injected patients with an allegedly tainted drug purchased from New England Compounding Pharmacy, Inc. Read More

Employee Benefits
Court Upholds Insurer's Termination of Long Term Disability Benefits to Insured Who Had Pleaded "No Contest" to Operating His Vehicle While Impaired
A federal district court in Michigan has upheld an insurance company's decision to terminate long term disability benefits to an insured for injuries he had suffered in an automobile accident after learning that he had pleaded "no contest" to a charge of operating his vehicle while impaired. The court also upheld the insurer's decision to recover more than $20,000 in payments it had made to the insured. Read More

Commercial General Liability
Sixth Circuit Rules that Liquor Liability Exclusion Did Not Bar Coverage of Common Law Negligence Claim Brought against Tavern
The U.S. Court of Appeals for the Sixth Circuit, reversing a district court's decision, has ruled that a liquor liability exclusion in a commercial general liability insurance policy did not exclude coverage of a common law negligence claim brought against the insured tavern, notwithstanding that the state's Dram Shop Act apparently barred such claims. Read More

View All Case Law Developments


Florida's Citizens Property Sponsors "Largest Single Catastrophe Bond Issuance in History"
The board of governors of Citizens Property Insurance Corporation, the not-for-profit alternative insurer created in 2002 by the Florida legislature, has approved a $3.1 billion risk transfer program for the 2014 hurricane season that, it said, capitalizes on favorable market conditions to increase reinsurance coverage at a lower price. Read More

Eye on the Experts

Proposed GSE Reforms Could Subject Private Mortgage Insurers to Federal Approval Requirements 
This Eye on the Experts article focuses on how various legislative proposals to abolish the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation, the housing finance giants commonly known as Fannie Mae and Freddie Mac, could establish new federal presence in the oversight of private mortgage insurance. Read More

View All Legislative/Regulatory Developments
W. R. Berkley Names Wayne H. Carter, III President of Berkley Program Specialists Read More

FC&S Legal Publishes Nelson Levine De Luca & Hamilton's Bad Faith Compendium: Oklahoma 
Read More

Total Cost of Fire Up 34 percent from 1980, According to NFPA Report 
Read More

Lee Roth to Retire from Fireman's Fund Insurance Company; Joe Kinsey Named Her Successor 
Read More

QBE North America Launches Management Liability & Professional Lines and Product Suite 
Read More

View All Industry News
Drying Marijuana in Clothes Dryer


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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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