Does Your Professional Liability Policy Cover All of Your Business’s “Professional Services”?

“Professional liability insurance,” which is also called “errors and omissions” (E&O) liability insurance, typically provides coverage for defense costs and settlements or judgments attributable to claims based on “Professional Services.” “Professional Services” is typically a defined term limited to services performed for a third-party for compensation. In addition, the Professional Read More

Kansas Municipalities and their Contractors Should Be Careful to Avoid Insurance Waiver of the KTCA $500,000 Liability Cap

The Kansas Tort Claims Act, K.S.A. §§ 75-6101 to 6120 (“KTCA”) addresses sovereign immunity for Kansas governmental entities. K.S.A. § 75-6104 identifies the types of functions and claims as to which state and local governmental entities (and employees acting within the scope of governmental employment) are immune from liability. As Read More

Kansas Cap on Non-economic Damages in Personal Injury Cases is Unconstitutional: Businesses Should Urge Insurers to Re-evaluate Relevant Pending Matters

On Friday, June 14, 2019, the Kansas Supreme Court ruled that the statutory cap on non-economic damages in personal injury actions (e.g., for pain and suffering) violates the Kansas Constitution. See Hilburn v. Enerpipe LTD., __ P. 3d __, 2019 WL 2479464 (Kan. June 14, 2019). Specifically, the court held Read More

Policyholders Beware! Courts continue to enforce short limitations periods to dismiss property insurance lawsuits.

In an April 4, 2019 post, Christina warned that property/business interruption insurance policies often contain internal limitations periods that require policyholders to bring any lawsuits within 12 or 24 months. She also gave advice on how to address those short limitations periods. See [Permalink]. In the two months since Christina’s Read More

Should I Cash the Insurer’s Check? Update

In an April 10, 2019 post, Katie Bechina and I explained how cashing the insurer’s check might eliminate rights to additional insurance proceeds under a legal doctrine called  “accord and satisfaction”. See [permalink] In short, we said that, if the insurer and the insured have a bona fide dispute and Read More