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HTMLDon’t Have Excess or Umbrella Coverage? Be Careful, Your Negative Online Review May Leave You Howling at the Moon!
Michael L. Young; HeplerBroom LLC;
Legal Alert/Article
March 23, 2015, previously published on March 2, 2015
Antonia Neshev is a Bulgarian artist who moved to Colorado in the mid-1990s to become a wildlife instructor and T-shirt decorator. In the late 2000s she designed a T-shirt that depicted three wolves howling at the moon. The manufacturer sold the shirts through Amazon, which of course allows...

 

HTMLRisky Business: The Terrorism Risk Insurance Act
HeplerBroom LLC;
Legal Alert/Article
March 23, 2015, previously published on February 13, 2015
The backbone of insurance is risk. It is assessing risk, allocating risk, pricing risk, and insuring risk. The insurance industry is - in a word - one of risk.

 

HTMLEleventh Circuit Defines “Structural Damage” Under an Insurance Policy
A. David Fawal; Butler Snow LLP;
Legal Alert/Article
March 23, 2015, previously published on March 5, 2015
Although commonly used in insurance policies, the term “ structural damage ” is typically an undefined term, leaving it to insurers, insureds, and sometimes the courts to define. In Florida, federal district courts had come to different conclusions as to the definition, and recently,...

 

HTMLSupreme Court to Weigh in on Providers’ Rights to Sue for Medicaid Reimbursements
Zachary W. Behler, Michael R. Blum, Lauren B. Dunn, Samuel J. Frederick, Gilbert M. Frimet; Foster, Swift, Collins & Smith, P.C.;
Legal Alert/Article
March 20, 2015, previously published on January 27, 2015
The Medicaid program, a public insurance program serving approximately 66 million low-income Americans, is at risk for losing participating providers who claim they are not being compensated fairly for their services. On January 19, 2015, the Supreme Court heard arguments in Armstrong v....

 

HTMLMichigan Stable's Release within its Boarding Contract Helps Secure Dismissal of Lawsuit
Julie I. Fershtman; Foster, Swift, Collins & Smith, P.C.;
Legal Alert/Article
March 20, 2015, previously published on February 18, 2015
Imagine owning a boarding stable that had a barn fire, causing loss to some of the horses. Imagine later being sued from a disgruntled boarder whose horse perished in the fire. This happened to a Michigan stable, and the stable faced an aggressive legal challenge from the boarder. In the end, the...

 

HTMLChildren, Horses, and Liability: The Law Might Surprise You
Julie I. Fershtman; Foster, Swift, Collins & Smith, P.C.;
Legal Alert/Article
March 20, 2015, previously published on December 17, 2014
Misunderstandings and myths abound when it comes to liabilities involving children. Make sure to separate fact from fiction.

 

HTMLLiability Insurance Coverage - More Affordable Than You Think
Julie I. Fershtman; Foster, Swift, Collins & Smith, P.C.;
Legal Alert/Article
March 20, 2015, previously published on January 7, 2015
Question: Should a riding instructor with a small clientele forego purchasing a policy of liability insurance merely because her business is small?

 

HTMLLife Insurance Beneficiaries Must Be Designated, Not Assumed
Thomas D. Begley; Capehart & Scatchard, P.A.;
Legal Alert/Article
March 20, 2015, previously published on March 13, 2015
In July 2012, Michael G. Fox got married, and looked forward to many happy years with his new wife, Evanisa. Unfortunately, Michael died tragically in a work-related car accident just four months later. Evanisa assumed that she was entitled to the death benefit from his life insurance policy.

 

HTMLWhat You Didn’t Know About Equine Insurance
Julie I. Fershtman; Foster, Swift, Collins & Smith, P.C.;
Legal Alert/Article
March 20, 2015, previously published on March 18, 2015
You’re about to apply for equine mortality insurance on your new horse. What you might not know is that these policies are unique, and some features of this type of insurance might surprise you. For example:

 

HTMLNAIC Amps Up Cybersecurity Oversight
Daniel E. Frank, Mark D. Herlach, John S. Pruitt, Stephen E. Roth, Brian L. Rubin; Sutherland Asbill Brennan LLP;
Legal Alert/Article
March 19, 2015, previously published on March 18, 2015
The NAIC has begun its efforts to amp up state insurance department oversight of cybersecurity practices with the release of two documents for public comment. The first, entitled Principles for Effective Cybersecurity Insurance Regulatory Guidance (the “Principles”), is a document...

 


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