Insurance Law and Insurance Regulation

After a car accident, there is already a lot running through your mind. You may be dealing with damage to your car, checking on injuries, figuring out what happens next, and then suddenly… the insurance company starts calling.

A federal court in New York ruled that an employment practices liability insurer had no duty to indemnify its policyholder for a lawsuit stemming from a whistleblowing claim, finding that the initial written demand preceded the policy period. The decision also addressed whether insurers must demonstrate prejudice when denying coverage based on late notice, ultimately holding that a twenty-month delay in notification would constitute prejudice even if such a showing were required.

Colorado State University's revised 2026 Atlantic hurricane season forecast projects below-average activity, creating a strategic window for commercial property owners in the Carolinas to strengthen insurance coverage before market conditions tighten. With hurricane activity expected at only 60% of historical averages, businesses face a time-limited opportunity to address coverage gaps, update valuations, and secure supplemental protection that may become unavailable once storm activity begins.