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Claims, Case Law, and Legal

Tools for Your Insurance Coverage Legal Research

"Claims, Case Law, and Legal" showcases important insurance coverage case law that directly impacts how insurers handle claims as well as the scope of coverage afforded to insureds. Many times, when an insurer and its insured disagree over the extent of coverage afforded by the policy, a lawsuit is filed. It is then up to the courts to resolve these disputes by ruling on issues such as duty to defend, who is insured, the scope of coverage afforded, and whether any exclusions or conditions limit coverage.

Use these IRMI products to learn about claims disputes and follow how the courts handle them.

Featured Expert Commentary

Claims Practices

Cyber-Security Policy Requires Direct Financial Loss

July 19, 2024 | Barry Zalma

Courts and Coverage

Even More Confusion Regarding the "Damage to Property" Exclusion

June 07, 2024 | David M Knapp

Claims Practices

Pollution Exclusion Deters Corporations from Polluting

March 29, 2024 | Barry Zalma

Claims Practices

Court Must Agree When Parties Agree to Appraisal

January 19, 2024 | Barry Zalma

New! Updated Insurance for Defective Construction Reference

Losses from defective construction have been an ongoing problem, particularly due to the increasing prevalence and cost of claims. The newly updated and expanded sixth edition of this respected guide, authored by nationally recognized construction defect expert, Pat Wielinski, will help you protect yourself or your clients from the legal consequences and financial hardship of defective construction claims and ensure that the right construction risk management decisions are being made.

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Webinar: Additional Insured Coverage: Key Takeaways for Your Risk Transfer Programs Based on the Texas Supreme Court’s Exxon Ruling

All it takes is a few words to frustrate the intent of contractors regarding the transfer of risk and additional insured coverage. Exxon recently learned this the hard way, spending nine years in hard-fought litigation that required the rare involvement of the Texas Supreme Court to secure coverage. Importantly, the case involves the interpretation of common umbrella policy language affecting additional insured coverage. This webinar breaks down the significant factors in the case that influenced the court’s decision and the impact on all contractual risk transfer vehicles.


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Subscription Resources: Insurance Law Essentials

Insurance Law Essentials provides you with valuable tools for insurance coverage legal research. These subscription resources, continually updated and vetted by IRMI research analysts, will provide you with the tools you need to effectively and efficiently stay up to date on trends in coverage disputes and research coverage case law.

Your subscription to Insurance Law Essentials includes the following resources.

COVID Coverage Issues

The COVID-19 pandemic has resulted in billions of dollars of lost business income, causing hundreds of business interruption lawsuits filed against commercial property insurers. Track this litigation by state and read the actual pleadings, the important motions filed by each party, the court's final ruling on coverage, and the policies involved. 

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Deep Dives

Deep Dives are legal articles written by expert insurance coverage attorneys from across the nation. The articles focus on current issues with significant implications for insurance professionals. Added regularly, articles address recent cases, coverage issues, and trends relating to COVID-19, policy conditions, construction, claims handling, litigation trends, and other topics. 

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Insurance Law Reporter

The Reporter delivers important insurance coverage decisions straight to your inbox twice a month. It alerts you to breaking coverage decisions, organized by coverage line and jurisdiction, so you can quickly find the cases that are important to you. With the insight of the most respected insurance coverage minds in the country at your fingertips, you will be made aware of key trends and insights—no law degree required. Available only to subscribers of Insurance Law Essentials.

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Additional Tools and Resources

Comprehensive solutions to help you answer questions quickly and correctly

Claims Operations: A Practical Guide

Written for both experienced and new insurance professionals, this book provides a comprehensive overview of how the claims process is handled, controlled, and managed and its interrelationship with other functional departments.

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How To Draft and Interpret Insurance Policies

This working tool guides legal and risk professionals step by step through the process of interpreting or crafting policy language, from applying a basic coverage analysis to looking for overriding concerns to understanding advanced coverage issues like the reasonable expectations doctrine.

The Risk Report

Provides analysis and interpretation of the latest innovations in insurance coverage and risk management practices. Use this information to reinforce client trust, stay knowledgeable on important coverage and risk management strategies, and keep up with emerging loss exposures.

Subscribe to IRMI Update

Stay in the know about the latest trends, discover practical risk management tips, and get insight on important case law with this free e-newsletter.

Set Up Your Free IRMI Account

Your free IRMI account provides access to additional content including the following reports. Set up your account today

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IRMI's Influence in the Courts: Shaping Insurance Law

Courts rely on IRMI publications and services when deciding complicated insurance litigation. See details of some decisions and a list of cases citing IRMI reference services, expert commentary, and glossary definitions in this report.

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50 Insurance Cases Every Attorney or Risk Professional Should Know

Review the most interesting, influential, and vital property-casualty insurance coverage cases, along with insightful analysis on the implications of those decisions.

50 Reinsurance Cases Every Risk Professional Should Know

This report analyzes the top 50 most important and noteworthy reinsurance coverage cases and their implications.