Tag Archives: excess

Battle of Other Insurance Clauses In CGL Policies for Contractors

A recent Summary Order from the Second Circuit Court of Appeals highlights the difficulties that often arise with other insurance clauses and additional insureds. Which carrier has the primary duty to defend and indemnify an underlying action is a question that turns up with frequency when there are multiple parties sued and multiple possible applicable insurance … Continue Reading

The Distinction Between the Duty to Pay Defense Costs and the Duty to Indemnify Defense Costs

Common forms of commercial general liability policies typically include provisions requiring the insurer to defend the insured regardless of whether the claim is valid or not, as long as the claim is within the coverage grant of the insurance policy. The typical language provides that the insurance company has the right and duty to defend … Continue Reading

Sometimes an Insurance Policy Provision Means What It Says

Consent to settle clauses are fairly typical in insurance policies. Basically, a typical consent to settle clause provides that “no claims expenses shall be incurred or settlements made, contractual obligations assumed or liability admitted with respect to any claim without the insurer’s written consent, which shall not be unreasonably withheld.” So what happens if the … Continue Reading

Settling in Excess of Policy Limits May Still Result in Liability to Other Insurer

Applying Florida law, the Eleventh Circuit has held that a liability insurer that settled, for more than its policy limits, a tort claim against its named insured was liable for breach of contract to a second insurer that defended another insured for the same occurrence and also settled above its policy limits.  Nova Cas. Co. … Continue Reading
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