{"id":900903,"date":"2023-03-01T15:31:11","date_gmt":"2023-03-01T22:31:11","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=900903"},"modified":"2023-03-01T15:31:17","modified_gmt":"2023-03-01T22:31:17","slug":"claims-made-policy-no-coverage","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/claims-made-policy-no-coverage\/","title":{"rendered":"No Coverage Under Claims-Made Policy for Lawsuit Served on Registered Agent Before Policy Period"},"content":{"rendered":"\n<p>Joseph Gross | <a href=\"https:\/\/www.executivesummaryblog.com\/No-Coverage-Under-Claims-Made-Policy-for-Lawsuit-Served-on-Registered-Agent-Before-Policy-Period\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Wiley Rein<\/a><\/p>\n\n\n\n<p>In a win for Wiley\u2019s client, the United States District Court for the Southern District of Florida, applying Florida and District of Columbia law, has found that a claims-made professional liability policy does not afford coverage for a lawsuit served on the insured\u2019s registered agent prior to the policy period, even though the insured asserted that it did not have actual knowledge of the lawsuit until after the policy incepted.\u00a0<em>DC Cap. Law Firm, LLP v. Hanover Ins. Co.<\/em>, 2022 WL 18402566 (S.D. Fla. Nov. 15, 2022). The court found that the Claim was considered first made within the meaning of the policy when the lawsuit was served, and the \u201c<a href=\"https:\/\/www.myconstructionexpert.com\/blog\/claims-made-insurance-policies\/\" target=\"_blank\" rel=\"noreferrer noopener\">essence of a claims-made policy<\/a>\u201d is not to cover any claim made prior to the inception of the policy period.<\/p>\n\n\n\n<p>The insured law firm purchased a claims-made lawyers professional liability policy with a policy period of December 21, 2018 to December 21, 2019. The policy defined \u201cClaim,\u201d in relevant part, as a \u201c[c]ivil proceeding commenced by the service of a complaint or similar pleading.\u201d A timeshare company sued the insured law firm alleging false advertising and served the complaint on the law firm\u2019s registered agent on December 19, 2018. The insured sought coverage for the lawsuit under the policy. The insurer denied coverage on the basis that the lawsuit was a claim first made prior to the claims-made policy period. The law firm disputed the insurer\u2019s position and filed coverage litigation. The insurer filed a counterclaim in the coverage litigation and moved for judgment on the pleadings.<\/p>\n\n\n\n<p>The court granted the insurer\u2019s motion. The court held that the lawsuit was a claim first made when the law firm\u2019s registered agent was served, which was prior to the policy period. The court found it irrelevant whether the insured had actual knowledge of the lawsuit because the policy expressly defined \u201cClaim\u201d to include service of a lawsuit.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><strong>When one of your cases is in need of a construction expert, estimates, insurance appraisal or umpire services in defect or insurance disputes &#8211; please call Advise &amp; Consult, Inc. at 888.684.8305, or email <a href=\"mailto:experts@adviseandconsult.net\" target=\"_blank\" rel=\"noreferrer noopener\">experts@adviseandconsult.net<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Joseph Gross | Wiley Rein In a win for Wiley\u2019s client, the United States District Court for the Southern District of Florida, applying Florida and District of Columbia law, has found that a claims-made professional liability policy does not afford coverage for a lawsuit served on the insured\u2019s registered agent prior to the policy period,&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/claims-made-policy-no-coverage\/\">Continue reading <span class=\"screen-reader-text\">No Coverage Under Claims-Made Policy for Lawsuit Served on Registered Agent Before Policy Period<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[9914],"tags":[9895,9889,10904],"class_list":["post-900903","post","type-post","status-publish","format-standard","hentry","category-insurance-coverage","tag-advise-consult","tag-claims-made-insurance-coverage","tag-insurance-coverage-claims","entry"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>No Coverage Under Claims-Made Policy for Lawsuit Served on Registered Agent Before Policy Period - Advise &amp; 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