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TODAY'S TOP DEVELOPMENTS Thursday, March 20, 2014   Industry news, expert analysis, and daily updates on the most significant insurance coverage legal developments—from the insurance and legal experts of The National Underwriter Company.  CASE LAW Product Liability Coverage "Held Legally Liable" in Master Insurance Policy Required a Court Holding of Liability, Georgia Supreme Court Rules The Georgia Supreme Court, reversing a decision by an intermediate appellate court, has ruled that the phrase "held legally liable" in a master contract of insurance for a manufacturer's extended protection plan required an actual holding of legal liability by a court, not merely the possibility of such a holding or the prediction of such a holding by the insured, before the insurer could be required to indemnify the insured. Read More Environmental Liability CPL Policy Did Not Cover Claims Alleging that Excavation Led to Natural Gas Explosion, Appeals Court Decides A Wisconsin appellate court, reversing a trial court's decision, has ruled that a contractors pollution liability policy did not require the insurer to defend and indemnify the insured in four consolidated lawsuits in which the plaintiffs sought recovery for bodily injury and property damage caused by a gas explosion that allegedly occurred when, during excavation, the insured's employees disturbed an underground natural gas line. Read More Life Insurance Funeral Insurance Did Not Violate State's Pre-Need Act, Appellate Court Confirms An Indiana appellate court has ruled that an insurance policy that an insured could assign to a trust that would fund the insured's funeral and burial goods and services purchased after the insured's death did not fall within the provisions of the state's Pre-Need Act. Read More Automobile Insurance Insurer Had No Duty to Disclose, at Time of Policy Issuance, Its Use of House Counsel to Defend Insureds, Circuit Finds The U.S. Court of Appeals for the Seventh Circuit, affirming a district court's decision, has ruled that an automobile insurance company had no duty under Indiana law to disclose, at the time of policy issuance, that it used house counsel to defend insureds against third-party claims. Read More View All Case Law Developments    LEGISLATIVE/REGULATORY In the States South Dakota Governor Signs Insurance Consumer Protection Bills South Dakota Governor Dennis Daugaard has signed House Bill 1054, "An Act to establish consumer protection standards regarding certain insurance claim practices and to provide for certain penalties." Read More In the States Rich Robleto and Harvey Bennett Appointed by Florida Insurance Commissioner Florida Insurance Commissioner Kevin McCarty has appointed Rich Robleto to serve as Life and Health Deputy Commissioner and Harvey Bennett to serve as Communications Director for the Florida Office of Insurance Regulation. Read More View All Legislative/Regulatory Developments      INDUSTRY NEWS Endurance Insurance Introduces Enhanced Network Security and Privacy Coverage  Read More California, Texas, Florida, and New York Are the Most Popular States for Pet Insurance, Pets Best Finds  Read More XL Group Supports the Arts in Ireland Read More Nationwide Insurance Named Official Insurance Sponsor of The Ohio State University Read More Teens Have Risky Definitions of "Safe Driving," New Study Finds Read More View All Industry News Form Analysis Businessowners Property Coverage, Part I Browse our entire library of over 2,500 insurance resources and forms.    INSURANCE COVERAGE  LAW REPORT View Entire March Insurance Coverage Law Report   View Insurance Coverage Law Report Archives Steven A. Meyerowitz, ESQ. Director, FC&S Legal [email protected] Victoria Prussen Spears, ESQ. Associate Director, FC&S Legal [email protected] FC&S Legal Editorial Advisory Board Mitchell J. Auslander, Willkie Farr & Gallagher LLP Carrie Cope, Schuyler, Roche & Crisham, P.C. Anjali C. Das, Wilson Elser John F. Finnegan, Chadbourne & Parke LLP Michele L. Jacobson, Stroock & Stroock & Lavan LLP Timothy P. Law, Reed Smith LLP Donald S. Malecki, Malecki, Deimling, Nielander & Associates, LLC Cort T. Malone, Anderson Kill & Olick, P.C. D. Milone, Kelley Drye & Warren LLP Joseph P. Monteleone, Tressler LLP Anne M. Murray, Rivkin Radler LLP Jerold Oshinsky, Kasowitz, Benson, Torres & Friedman LLP Seth B. Schafler, Proskauer Rose LLP David D. Thamann, The National Underwriter Company FC&S Daily Legal Report ($1,295 annual subscription) is included as part of your subscription to FC&S Legal: The Insurance Information Center. 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