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- Louisiana Business Owners Could Receive Premium Reductions by Requesting "Mid-Term Audits" from their Insurers On March 27, 2020, Louisiana's Insurance Commissioner, Jim Donelon, issued Emergency Rule 39 in response to the COVID-19 pandemic. Emergency Rule 39 provides all commercial insureds in Louisiana the right to demand a "mid-term self-audit" to determine if their policy premiums should be reduced, as long as the commercial insurance policies are "rated using an... Continue Reading...
- Insurance Coverage for Coronavirus Losses Businesses are scouring their insurance policies for coverage for COVID-19 losses. Among the insurance policies that may provide coverage for such losses are commercial property policies, pollution liability policies, general liability policies, workers' compensation policies, and employment practices liability policies. Coverage Under Property Policies (Business Interruption) Commercial property insurance policies often provide coverage for lost... Continue Reading...
- Kean Miller's Insurance Recovery Team Helps Secure a Big Win for Louisiana Insureds at the Louisiana Supreme Court On October 22, 2019, the Louisiana Supreme Court issued its opinion in the Smith v. Citadel Insurance case. Kean Miller's Insurance Recovery Team assisted several amici in presenting arguments to the Court in the case. In Smith, the Louisiana Supreme Court held that an insured's bad faith claims against its insurer are governed by a... Continue Reading...
- Texas Supreme Court: Appraisal Awards Not a Bar to TPPCA Delay Damages Policyholders are often disappointed in the amount of time their insurers take to investigate and pay claims. In 2003, the Texas Legislature enacted the Texas Prompt Payment of Claims Act ("TPPCA") to facilitate the prompt investigation and payment of Texas insurance claims.[2] Codified at Section 542 of the Texas Insurance Code, the TPPCA imposes an... Continue Reading...
- Louisiana Court Rejects Insurers' Arguments that Act 312 Requires Settlement Funds of All Oilfield Legacy Lawsuits to be Placed in the Court's Registry Insurers in oilfield legacy lawsuits often argue they are not responsible for their insureds' settlements with landowners because La. R.S. 30:29 ("Act 312") requires the settlements to be deposited into the court's registry for remediation. On March 7, 2018, the Louisiana Third Circuit Court dealt a significant blow to the insurers' argument. In Britt v.... Continue Reading...
- Enforcing Arbitration Awards in Louisiana Click here to review a Practice Note explaining how to enforce arbitral awards in the state and federal courts in Louisiana. This Note explains the procedure for confirming an arbitration award in Louisiana, and the grounds on which a party may challenge enforcement under Louisiana and federal law, including the New York Convention on the Recognition... Continue Reading...
- Suspension of Insurance Provisions in Flood Affected Parishes By emergency declaration issued August 18, 2016, the Commissioner of the Louisiana Department of Insurance adopted Emergency Rule 27. Emergency Rule 27 allows the Department of Insurance to suspend certain statutes in the Louisiana Insurance Code and the rules and regulations promulgated under those statutes that may affect families and business affected by the current... Continue Reading...
- Kean Miller, United Policyholders Secure Victory for Insureds at the Louisiana Supreme Court in Kelly v. State Farm On May 5, 2015, in Kelly v. State Farm Fire & Cas. Co., 14-1921 (La. 5/5/15); 2015 WL 2082540, the Louisiana Supreme Court, in response to certified questions from the U.S. Fifth Circuit Court of Appeal, issued a unanimous decision reaffirming and clarifying the duties owed by insurers to their insureds. The Kelly Court concluded... Continue Reading...
- Louisiana Appellate Court Confirms that Insurers Must Provide A Complete Defense in Long-Term Exposure Cases The Louisiana Fourth Circuit Court of Appeal held that an insurer must provide a complete defense to its insured in long-latency disease cases and that the duty to defend is not subject to proration. See Arceneaux v. Amstar Corp., 2014-0271 (La. App. 4 Cir. 2/25/15), 2015 WL 798980. In Arceneaux, American Sugar sued its insurer,... Continue Reading...
- Is it Time for Your Business to Have a Check-Up? We have become accustomed to having regular check-ups with our doctors. The doctor will analyze our current physical condition, including heart rate, blood pressure, cholesterol level, lung condition or otherwise. The doctor may order a treadmill test or a screening for a particular function. The doctor will also compare current test results to any prior... Continue Reading...
