The Northwest Policyholder
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Policyholders Must Be “Made Whole” Before Insurers Recover Payments From Third Parties
The Washington Supreme Court recently issued a decision strongly reiterating the “made whole” doctrine under Washington law, which provides that an insurer cannot exercise its right of reimbursement from a third party who injured its insured, until...
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Insurance and Cannabis—Requirements, Exclusions, Positive News
Cannabis businesses don’t have many options when it comes to insurance, because major insurance players are staying out of the market until cannabis is reclassified under federal law. However, cannabis licensees are required to carry insurance by sta...
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In-House Counsel: Take Care in Contracting for Additional Insured Coverage from Foreign Suppliers
Most businesses, and particularly retailers, require that their suppliers name the retailer as an "additional insured" on the supplier's general liability policy. This means that if a customer is injured because of the supplier's product, and the cu...
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Does the Causation-Trigger Wording of an Additional Insured Endorsement Matter?
When two companies agree to work together, they will try to allocate the risk of something going wrong to the company that's in the best position to prevent that from happening. For example, in the construction industry a general contractor will usua...
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Considering Employment Practices Liability Insurance? Some Things to Consider.
The upsurge in sexual harassment complaints and gender-based pay discrimination has many employers understandably concerned about their exposure. More and more employers are looking to protect themselves against employment-related claims using Empl...
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Common Gaps in Coverage for Data Security Incidents
Businesses of all sizes are now commonly purchasing "cyber insurance” coverage to protect against financial losses from data security incidents. But these policies—which are not written on standardized forms—can vary widely in what they cover. Here a...
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