Kathryn Rattigan | Robinson + Cole After several years of experimenting with generative AI, machine learning, and AI agents, many insurers are no longer asking whether AI belongs in the business. The harder question is whether a pilot is ready to scale. The answer usually is not found in the model architecture or the novelty… Continue reading AI in Insurance: The Real Test Is Readiness, Not Technology
Category: Insurance
When Claims and Litigation Surge, Something Has to Give — It Doesn’t Have to Be Quality
LegalMation There is a version of this that happens slowly. Social inflation pushes up severity. Filing rates tick upward quarter over quarter. The litigation docket grows, attorneys carry more files, and somewhere in the middle of it all the claims organization realizes it is structurally understaffed for the volume it is managing. And there is… Continue reading When Claims and Litigation Surge, Something Has to Give — It Doesn’t Have to Be Quality
Illinois’ Highest Court Finds that Government-Authorized Pollution is Still Pollution for Purposes of Pollution Exclusions in CGL Policies
Nick Dolejsi | Zelle The Illinois Supreme Court recently provided much-needed clarity on the scope and application of pollution exclusions in commercial general liability insurance policies. In Griffith Foods v. National Union Fire Ins. Co. of Pittsburgh, PA, Case No. 131710 (Ill. Jan. 23, 2026), the court considered the following certified question: “what relevance, if any,… Continue reading Illinois’ Highest Court Finds that Government-Authorized Pollution is Still Pollution for Purposes of Pollution Exclusions in CGL Policies
Court Reaffirms That Actual Cash Value Includes Labor and Overhead, Not Just Materials
Corey Setterlund | Marshall Dennehey Greenaker v. Universal Prop. & Cas. Ins. Co., Case No. 2D2024-1964, (Fla. 2nd DCA May 8, 2026). The plaintiffs filed a breach of contract suit against Universal for refusal to pay for all of plaintiffs’ damages from a storm in November 2020. Universal filed a motion in limine to prevent the… Continue reading Court Reaffirms That Actual Cash Value Includes Labor and Overhead, Not Just Materials
The Ensuing-Loss Doctrine and Defective Work Exclusions: Recent Case Law and the Impact on Commercial Property Insurance Claims
Mackenzie Moy | Zelle Commercial property and builder’s risk disputes involving defective work continue to generate significant disputes and litigation. One of the most consequential battlegrounds remains the interpretation and application of the “ensuing loss” (or “resulting loss”) clause. For claims professionals and coverage counsel alike, understanding how courts interpret these provisions is essential to… Continue reading The Ensuing-Loss Doctrine and Defective Work Exclusions: Recent Case Law and the Impact on Commercial Property Insurance Claims