Second Annual Conference September 16, 2015 to September 18, 2015 Chicago, IL

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Second Annual Conference September 16, 2015 to September 18, 2015 Chicago, IL"

Transcription

1 Second Annual Conference September 16, 2015 to September 18, 2015 Chicago, IL

2 Using Insurance Coverage to Mitigate Cybersecurity Risks To Warranty and Service Contract Businesses Barry Buchman, Partner Adrian Azer, Of Counsel Gilbert LLP 2

3 Cybersecurity Risks to Warranty and Service Contract Businesses Cyber-attack directly against warranty and service contract providers: This can be especially costly given the significant amount of personal identifying information that is obtained in connection with warranty and service contracts. Cyber-attack on Warranty Management Vendor: Many warranty and service contract providers are outsourcing data management to vendors such as warranty management solutions businesses to maintain their warranty and service contracts. This creates the additional risk of cyber-attacks against warranty management vendors that exposes both the warranty and service contract providers and vendors to liability. Cyber-attack on Cloud Computing Technologies 3

4 Two Types of Losses That Result From a Cyber-Breach First Party Losses: Damage to the policyholder s own data or systems, lost income, and extra expenses. (1) the costs of providing notice to individuals whose identifying information was compromised; (2) the costs of investigating/stopping the breach; (3) the costs of replacing damaged hardware or software; (4) business interruption costs; and (5) the costs of a public relations firm. Third Party Losses: Policyholder s potential liability to customers, government or regulatory entities, or another third party. (1) customer lawsuits; (2) government investigations and government enforcement actions; and (3) potential shareholder suits. 4

5 Increasing Cost of Cybersecurity Breach The average cost of a data breach has risen, with the average cost in 2015 being approximately $3.79 million. See 2015 Cost of Data Breach Study: Global Analysis, Ponemon Institute LLC (May 2015). Both large and small companies are increasingly acquiring cybersecurity insurance coverage; data suggests [that] small companies are actually targeted as frequently, and if not more, than larger companies. See Mark Sanchez, Data Breaches Push More Firms to Consider Cyber- Insurance Policies, MiBiz (Jan. 18, 2015); see also Matt Egan, Companies Turn to Cyber Insurance as Hacker Threats Mount, Fox News, Business (Mar. 20, 2014). Boards of Directors are increasingly concerned about cybersecurity. See Henry Stoever, Only 11% of Corporate Directors Say Boards Have High Level of Cyber-Risk Understanding, National Association of Corporate Directors (June 22, 2015); see also C. Dunn, Cybersecurity Becoming No. 1 Concern for GCs and Directors, Corporate Counsel (Aug. 15, 2012). 5

6 How Cyber-Breaches May be Covered Under Traditional Insurance 6

7 Overview of Traditional Insurance Policies Most businesses maintain: Comprehensive-General-Liability insurance ( CGL ) Typically covers: (1) bodily injury or property damage caused by an occurrence (accident); or (2) personal and advertising injury. Property Damage/Business Interruption Insurance Errors and Omissions Insurance Directors & Officers Insurance Most insureds have sought coverage for cyber-breaches under the personal and advertising injury coverage of CGL policies. 7

8 Coverage for Cyber-Breach Under Traditional Insurance Policies Coverage may be available under CGL policies as many courts have found coverage, and a number of jurisdictions have not addressed this issue and may conclude that coverage exists. See, e.g., Hartford Cas. Ins. Co. v. Corcino & Assocs., 2013 WL (C.D. Cal. Oct. 7, 2013); Retailer Ventures, Inc. v. National Union Fire Insurance Co., 691 F.3d 821 (6th Cir. Aug. 23, 2012); Eyeblaster, Inc. v. Fed. Ins. Co., 613 F.3d 797 (8th Cir. 2010). Two recent decisions, however, have rejected coverage for cyberbreaches under the personal and advertising injury coverage of CGL policies. Recall Total Information Mgmt. v. Federal Ins. Co., 317 Conn. 46, (2015); Zurich Am. Ins. V. Sony Corp. of Am., Case No /2011, 2014 WL (N.Y. Sup. Feb. 24, 2014). Both the Connecticut Supreme Court and a trial court in New York held that there was no publication by the insured to trigger the personal and advertising injury coverage. 8

9 How Cyber-Breaches May be Covered Under Specialty Cybersecurity Insurance 9

10 Specialty Cybersecurity Insurance Coverage There are three fundamental coverage types in specialty cyber-security insurance: Liability for loss or breach of data (third party). Defense and settlement costs for third-party claims by customers. Remediation costs to respond to the breach. Response costs following a data breach, including investigation, public relations, customer notification, and credit monitoring. Coverage for fines and/or penalties imposed by law or regulation.* Costs to investigate, defend, and settle fines and penalties that may be assessed by a regulator. * Where insurable by law. 10

11 Considerations When Negotiating Cybersecurity Insurance Policies When procuring cyber-security insurance coverage, warranty and service contract businesses should: Negotiate the terms of the policy. These policies are negotiable given the lack of a standard form. Warranty and service contract businesses should ensure that a breach at a data management vendor or cloud-based vendor is within the scope of coverage, e.g., avoid policy provisions requiring connection to a network. Know your limits and sublimits. Many cybersecurity policies include sublimits that limit the recovery for certain types of losses. Carefully complete the application. Be careful when representing the security measures in place as the insurer may use the application to avoid coverage. 11

12 Four Areas to Watch Related to Cybersecurity Insurance (1) Security Requirements (more commonly known as, Best Practices or Minimum Required Practices Provisions) In 2015, an insurer preemptively filed a lawsuit seeking a declaration (a declaratory judgment ) that its cybersecurity policy did not cover a cybersecurity breach because of an insured s alleged failure to have appropriate security measures. Columbia Casualty Co. v. Cottage Health Systems, No. 2:15-cv (C.D. Cal May 7, 2015). (2) Act of War and Terrorism Exclusion Given the prevalence of state-sponsored cyber-attacks or cyber-attacks by rogue terrorist organizations (e.g., ISIS), insurers may begin to rely on this exclusion to avoid their coverage obligations. The exclusion, however, may not be as broad as an insurer asserts. See, e.g., Pan Am. World Airways, Inc. v. AETNA Casualty & Surety Co., 505 F.2d 989, (2d Cir. 1974). (3) Third-Party Acts and Omissions There may be questions regarding whether cybersecurity insurance covers cyber-attacks at third-party vendors who are providing data management or cloud-based services. (4) Coverage for Statutory Damages There may also be disputes regarding coverage for regulatory fines or penalties. 12

13 Practical Considerations When Addressing Cybersecurity 13

14 Insurance Considerations When Negotiating Vendor Contracts In the event of a cyber-security breach, there are two possible avenues for recovery: (1) insurance coverage, and (2) indemnities from vendors and other contracting parties. These two avenues of recovery often overlap and are intertwined; however, the pursuit of indemnities may detrimentally impact the business relationships between warranty and service contract providers and their vendors. Parties can structure cross-indemnities to mitigate the impact on the business relationship, including by: requiring that a party be named as an additional insured under the other party s insurance; be careful about relying solely on certificates of insurance; structuring indemnities so that they are net of insurance, i.e., they require the pursuit of insurance before the pursuit of indemnities; and negotiating whose insurance will respond first. 14

15 Conclusion and Other Practical Pointers Businesses involved in warranties and service contracts should conduct an insurance audit -- analyzing their policies, the requirements to pursue coverage, and their indemnities. In the event of a loss, these businesses should consider: Notice requirements in their policies; Policy preservation and examination; Review policies issued not only to your business but also to other businesses, e.g., vendors and affiliates -- such policies may provide additional insured coverage; also not just the current year s policy but also prior policies. Communication protocols, both for internal communications and communications with insurers; and Proof of loss deadlines and contractual limitations periods. 15

16 Additional Reading Adrian Azer, Cyber-Attacks Against Government Contractors and the Availability of Insurance Coverage, Gilbert Insurance Law Blog (Aug. 6, 2015). Miriam Smolen and Adrian Azer, Insurance Cybersecurity Regulations What Insurance Coverage Do You Need?, Gilbert Insurance Law Blog (Feb. 15, 2013). Barry Buchman and Adrian Azer, Recent Trends in Cybersecurity Scrutiny, Law360 (Oct. 22, 2012). 16

17 Adrian C. Azer Telephone: Gilbert LLP 1100 New York Avenue, NW Suite 700 Washington, DC gotofirm.com

Cyberinsurance: Insuring for Data Breach Risk

Cyberinsurance: Insuring for Data Breach Risk View the online version at http://us.practicallaw.com/2-588-8785 Cyberinsurance: Insuring for Data Breach Risk JUDY SELBY AND C. ZACHARY ROSENBERG, BAKER HOSTETLER LLP, WITH PRACTICAL LAW INTELLECTUAL

More information

CLASS ACTION. Westlaw Journal. Expert Analysis The State of Coverage Disputes Concerning Advertising And Privacy Claims

CLASS ACTION. Westlaw Journal. Expert Analysis The State of Coverage Disputes Concerning Advertising And Privacy Claims Westlaw Journal CLASS ACTION Litigation News and Analysis Legislation Regulation Expert Commentary VOLUME 19, ISSUE 8 / SEPTEMBER 2012 Expert Analysis The State of Coverage Disputes Concerning Advertising

More information

Cyber Insurance and Your Data Ted Claypoole, Partner, Womble Carlyle and Jack Freund, PhD, InfoSec Mgr, TIAA-CREF

Cyber Insurance and Your Data Ted Claypoole, Partner, Womble Carlyle and Jack Freund, PhD, InfoSec Mgr, TIAA-CREF Cyber Insurance and Your Data Ted Claypoole, Partner, Womble Carlyle and Jack Freund, PhD, InfoSec Mgr, TIAA-CREF October 9, 2013 1 Cyber Insurance Why? United States Department of Commerce: Cyber Insurance

More information

Cyber Insurance: An Overview of an Evolving Coverage

Cyber Insurance: An Overview of an Evolving Coverage October 21, 2015 Cyber Insurance: An Overview of an Evolving Coverage by Russell Cohen Alison Roffi INTRODUCTION Cyber insurance has reached a tipping point. The rising costs faced by data breach victims,

More information

Are You Covered? Understanding Vendor Endorsements and Harmonizing Risk Transfer Arrangements. Kevin B. Dreher & Jennifer D. Katz Reed Smith LLP

Are You Covered? Understanding Vendor Endorsements and Harmonizing Risk Transfer Arrangements. Kevin B. Dreher & Jennifer D. Katz Reed Smith LLP Are You Covered? Understanding Vendor Endorsements and Harmonizing Risk Transfer Arrangements July 14, 2015 Kevin B. Dreher & Jennifer D. Katz Reed Smith LLP Program Overview 1. How to Transfer Risk and

More information

Cyberinsurance for Financial Institutions

Cyberinsurance for Financial Institutions Cyberinsurance for Financial Institutions PRESENTERS Panelists Patrick Cox, CIPP/US, SVP, CPO, LPL Financial Scott Godes, Partner, Barnes and Thornburg LLP Brent Rieth, VP, Team Leader, Financial Services

More information

By Heather Howell Wright, Bradley Arant Boult Cummings, LLP. (Published July 24, 2013 in Insurance Coverage, by the ABA Section Of Litigation)

By Heather Howell Wright, Bradley Arant Boult Cummings, LLP. (Published July 24, 2013 in Insurance Coverage, by the ABA Section Of Litigation) Tiara Condominium: The Demise of the Economic Loss Rule in Construction Defect Litigation and Impact on the Property Damage Requirement in a General Liability Policy By Heather Howell Wright, Bradley Arant

More information

Cyber and data Policy wording

Cyber and data Policy wording Please read the schedule to see whether Breach costs, Cyber business interruption, Hacker damage, Cyber extortion, Privacy protection or Media liability are covered by this section. The General terms and

More information

Cyber Risk, Legal And Regulatory Issues, And Insurance Mitigation ISACA Pittsburgh Information Security Awareness Day

Cyber Risk, Legal And Regulatory Issues, And Insurance Mitigation ISACA Pittsburgh Information Security Awareness Day Lloyd s of London (Reuters) May 8, 2000 Cyber Risk, Legal And Regulatory Issues, And Insurance Mitigation ISACA Pittsburgh Information Security Awareness Day Rivers Casino, Pittsburgh November 17, 2014

More information

Henkel Corp v. Hartford Accident

Henkel Corp v. Hartford Accident 2008 Decisions Opinions of the United States Court of Appeals for the Third Circuit 3-27-2008 Henkel Corp v. Hartford Accident Precedential or Non-Precedential: Non-Precedential Docket No. 06-4856 Follow

More information

CyberSecurity for Law Firms

CyberSecurity for Law Firms CyberSecurity for Law Firms Cracking the Cyber Code: Recent Headlines, Reinforcing the Need and Response Planning July 16, 2013 Making the Case Matthew Magner Senior Underwriting Officer Chubb & Son, a

More information

Why Buy Cyber and Privacy Liability When You Have a Perfectly Good Commercial General Liability Program?

Why Buy Cyber and Privacy Liability When You Have a Perfectly Good Commercial General Liability Program? Why Buy Cyber and Privacy Liability When You Have a Perfectly Good Commercial General Liability Program? July 2014 Lockton Companies Cyber and Privacy Liability insurance programs have grown in popularity

More information

Cyber and CGL Insurance Coverage for Data Breach Claims

Cyber and CGL Insurance Coverage for Data Breach Claims Cyber and CGL Insurance Coverage for Data Breach Claims Paula Weseman Theisen, Partner Data breach overview Definition of data breach/types Data breach costs Data breach legal claims and damages Cyber-insurance

More information

Cyber-insurance: Understanding Your Risks

Cyber-insurance: Understanding Your Risks Cyber-insurance: Understanding Your Risks Cyber-insurance represents a complete paradigm shift. The assessment of real risks becomes a critical part of the analysis. This article will seek to provide some

More information

Insurance Coverage In Consumer Class Actions

Insurance Coverage In Consumer Class Actions This article first appeared in the October 2010 issue of The Corporate Counselor. Insurance Coverage In Consumer Class Actions John W. McGuinness and Justin F. Lavella The business world is an increasingly

More information

Don t Wait Until It s Too Late: Top 10 Recommendations for Negotiating Your Cyber Insurance Policy

Don t Wait Until It s Too Late: Top 10 Recommendations for Negotiating Your Cyber Insurance Policy Privacy, Data Security & Information Use Insurance Recovery & Advisory Cyber Insurance June 17, 2015 Don t Wait Until It s Too Late: Top 10 Recommendations for Negotiating Your Cyber Insurance Policy By

More information

Data Privacy, Security, and Risk Management in the Cloud

Data Privacy, Security, and Risk Management in the Cloud Data Privacy, Security, and Risk Management in the Cloud Diana S. Hare, Associate General Counsel and Chief Privacy Counsel, Drexel University David W. Opderbeck, Counsel, Gibbons P.C. Robin Rosenberg,

More information

A&E Briefings. Indemnification Clauses: Uninsurable Contractual Liability. Structuring risk management solutions

A&E Briefings. Indemnification Clauses: Uninsurable Contractual Liability. Structuring risk management solutions A&E Briefings Structuring risk management solutions Spring 2012 Indemnification Clauses: Uninsurable Contractual Liability J. Kent Holland, J.D. ConstructionRisk, LLC Professional consultants are judged

More information

Obtaining Indemnity Through Effective Tender Letters

Obtaining Indemnity Through Effective Tender Letters Page 1 of 5 Portfolio Media. Inc. 648 Broadway, Suite 200 New York, NY 10012 www.law360.com Phone: +1 212 537 6331 Fax: +1 212 537 6371 customerservice@portfoliomedia.com Obtaining Indemnity Through Effective

More information

Insurers Not Obligated to Defend in ZIP Code Coverage Suits

Insurers Not Obligated to Defend in ZIP Code Coverage Suits Insurers Not Obligated to Defend in ZIP Code Coverage Suits By Bryana Blessinger Hill & Lamb LLP Portland, Oregon Insurers are increasingly faced with privacy and data-breach related claims. One of the

More information

Cloud Coverage. Authors. Introduction. First-Party Coverage Issues. Cloud Computing Purchasers

Cloud Coverage. Authors. Introduction. First-Party Coverage Issues. Cloud Computing Purchasers Cloud Coverage Transcending the Cloud A Legal Guide to the Risk and Rewards of Cloud Computing Cloud Coverage Authors Richard P. Lewis, Partner rlewis@reedsmith.com Carolyn H. Rosenberg, Partner crosenberg@reedsmith.com

More information

Data Security Best Practices for In-House Counsel

Data Security Best Practices for In-House Counsel Donna L. Wilson, Linda D. Kornfeld and Rebecca Perry Association of Corporate Counsel San Diego August 6, 2015 1 DONNA L. WILSON Tel: (310) 312-4144 Email: DLWilson@manatt.com Donna L. Wilson is co-chair

More information

IN THE SUPREME COURT OF TEXAS

IN THE SUPREME COURT OF TEXAS IN THE SUPREME COURT OF TEXAS NO. 13-1006 IN RE ESSEX INSURANCE COMPANY, RELATOR ON PETITION FOR WRIT OF MANDAMUS PER CURIAM Rafael Zuniga sued San Diego Tortilla (SDT) for personal injuries and then added

More information

Data Breach Cost. Risks, costs and mitigation strategies for data breaches

Data Breach Cost. Risks, costs and mitigation strategies for data breaches Data Breach Cost Risks, costs and mitigation strategies for data breaches Tim Stapleton, CIPP/US Deputy Global Head of Professional Liability Zurich General Insurance Data Breaches: Greater frequency,

More information

From GCL to E&O, With a Bit of D&O:

From GCL to E&O, With a Bit of D&O: From GCL to E&O, With a Bit of D&O: Getting the Most Out of Your Insurance Coverage David R. McDonald, Partner Nossaman Guthner Knox & Elliott LLP 50 California Street, 34 th Floor San Francisco, CA 94111

More information

PRODUCTS LIABILITY. Expert Analysis Potential Rise in Rood-Related Product Liability Claims Calls For Proactive Risk Management

PRODUCTS LIABILITY. Expert Analysis Potential Rise in Rood-Related Product Liability Claims Calls For Proactive Risk Management Westlaw Journal PRODUCTS LIABILITY Litigation News and Analysis Legislation Regulation Expert Commentary VOLUME 24, ISSUE 4 / JUNE 2013 Expert Analysis Potential Rise in Rood-Related Product Liability

More information

THE RIGHT TO INDEPENDENT COUNSEL

THE RIGHT TO INDEPENDENT COUNSEL THE RIGHT TO INDEPENDENT COUNSEL Julie A. Shehane Cooper & Scully, P.C. 900 Jackson Street, Suite 100 Telephone: 214-712 712-9546 Telecopy: 214-712 712-9540 Email: Julie.Shehane@cooperscully.com 2015 This

More information

FOLLOW THE SETTLEMENTS: BAD CLAIMS HANDLING EXCEPTION. Robert M. Hall

FOLLOW THE SETTLEMENTS: BAD CLAIMS HANDLING EXCEPTION. Robert M. Hall FOLLOW THE SETTLEMENTS: BAD CLAIMS HANDLING EXCEPTION By Robert M. Hall [Mr. Hall is a former law firm partner, a former insurance and reinsurance company executive and acts as an insurance consultant

More information

Black Hats, Firewalls, and Data Loss: Insurers Confront Data Breach Litigation

Black Hats, Firewalls, and Data Loss: Insurers Confront Data Breach Litigation Thomas W. Curvin Phillip E. Stano Mark Thibodeaux Tracey K. Ledbetter December 9, 2014 Black Hats, Firewalls, and Data Loss: Insurers Confront Data Breach Litigation INSURANCE AND FINANCIAL SERVICES LITIGATION

More information

Construction Defect Coverage Recap For 1st Quarter

Construction Defect Coverage Recap For 1st Quarter Portfolio Media. Inc. 860 Broadway, 6th Floor New York, NY 10003 www.law360.com Phone: +1 646 783 7100 Fax: +1 646 783 7161 customerservice@law360.com Construction Defect Coverage Recap For 1st Quarter

More information

GALLAGHER CYBER LIABILITY PRACTICE. Tailored Solutions for Cyber Liability and Professional Liability

GALLAGHER CYBER LIABILITY PRACTICE. Tailored Solutions for Cyber Liability and Professional Liability GALLAGHER CYBER LIABILITY PRACTICE Tailored Solutions for Cyber Liability and Professional Liability Are you exposed to cyber risk? Like nearly every other business, you have probably capitalized on the

More information

Case 2:15-cv-03432-DDP-AGR Document 1 Filed 05/07/15 Page 1 of 15 Page ID #:1 UNITED STATES DISTRICT COURT FOR THE CENTRAL DISTRICT OF CALIFORNIA

Case 2:15-cv-03432-DDP-AGR Document 1 Filed 05/07/15 Page 1 of 15 Page ID #:1 UNITED STATES DISTRICT COURT FOR THE CENTRAL DISTRICT OF CALIFORNIA Case :-cv-0-ddp-agr Document Filed 0/0/ Page of Page ID #: 0 Matthew T. Walsh, Esq. (Bar No. ) CARROLL, McNULTY & KULL LLC 00 North Riverside Plaza, Suite 00 Chicago, Illinois 00 Telephone: () 00-000 Facsimile:

More information

FILED: NEW YORK COUNTY CLERK 07/20/2011 INDEX NO. 651982/2011 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/20/2011

FILED: NEW YORK COUNTY CLERK 07/20/2011 INDEX NO. 651982/2011 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/20/2011 FILED: NEW YORK COUNTY CLERK 07/20/2011 INDEX NO. 651982/2011 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/20/2011 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF NEW YORK ZURICH AMERICAN INSURANCE COMPANY and

More information

United States Court of Appeals

United States Court of Appeals In the United States Court of Appeals For the Seventh Circuit No. 07-3147 NAUTILUS INSURANCE COMPANY, an Arizona corporation, v. Plaintiff-Appellant, 1452-4 N. MILWAUKEE AVENUE, LLC, GREAT CENTRAL INSURANCE

More information

Insurance Coverage Law Report

Insurance Coverage Law Report September 2013 Insurance Coverage Law Report From the Editor Our Industry News, and Why It Matters By Steven A. Meyerowitz Feature Articles Data Breaches and the General Liability Policy in a Cyber-World

More information

Corporate Counsel and Business Insurance: Interfacing With Risk Management

Corporate Counsel and Business Insurance: Interfacing With Risk Management Corporate Counsel and Business Insurance: Interfacing With Risk Management ACC Legal Quick Hit John Kazanjian and Nicole Weinstein December 10, 2015 Top 5 Tips Pollution Legal Liability Contractor s Pollution

More information

Indemnity and Insurance Provisions in Commercial Contracts

Indemnity and Insurance Provisions in Commercial Contracts Survey Says: The Feud Over Insurance and Indemnity Provisions in Business Contracts Indemnity and Insurance Provisions in Commercial Contracts Kenneth M. Gorenberg Stefan R. Dandelles Indemnity and insurance

More information

Client Alert. Powerine II Significant Insurance Coverage Implications for Administrative Cleanup Costs. Insurance Recovery. Environmental Litigation

Client Alert. Powerine II Significant Insurance Coverage Implications for Administrative Cleanup Costs. Insurance Recovery. Environmental Litigation Powerine II Significant Insurance Coverage Implications for Administrative Cleanup Costs by Stewart S. Harrison Insurance Recovery Environmental Litigation In welcome news to umbrella policyholders, the

More information

THE STATE OF FLORIDA...

THE STATE OF FLORIDA... TABLE OF CONTENTS I. THE STATE OF FLORIDA... 2 A. FREQUENTLY CITED FLORIDA STATUTES... 2 1. General Considerations in Insurance Claim Management... 2 2. Insurance Fraud... 5 3. Automobile Insurance...

More information

DATA BREACH, NETWORK SECURITY, CYBER LIABILITY, PRIVACY PROTECTION: ARE YOU INSURED?

DATA BREACH, NETWORK SECURITY, CYBER LIABILITY, PRIVACY PROTECTION: ARE YOU INSURED? DATA BREACH, NETWORK SECURITY, CYBER LIABILITY, PRIVACY PROTECTION: ARE YOU INSURED? February 3, 2012 Steve Brown, Agency Manager West Virginia Medical Insurance Agency How many in the audience today will

More information

G U E S T E S S A Y S

G U E S T E S S A Y S Comparing and Maximizing Performance Bond and Commercial General Liability Protections Frank L. Pohl, Esq. and James C. Washburn, Esq. Often when acting as the prime on a construction project, the design

More information

Five Steps To Data Breach Coverage For Card Issuer Liability

Five Steps To Data Breach Coverage For Card Issuer Liability 20 April 2015 Practice Groups: Insurance Coverage Cyber Law and Cybersecurity This article was first published by Law360 on April 17, 2015. Five Steps To Data Breach Coverage For Card Issuer By Roberta

More information

Introduction to Medical Malpractice Insurance

Introduction to Medical Malpractice Insurance William Gallagher Associates Introduction to Medical Malpractice Insurance What is Medical Malpractice Insurance? Insurance, in general, is the practice of sharing your risk with a large number of individuals

More information

Case 2:15-cv-02235-SHL-dkv Document 1 Filed 04/09/15 Page 1 of 16 PageID 1 UNITED STATES DISTRICT COURT FOR THE WESTERN DISTRICT OF TENNESSEE

Case 2:15-cv-02235-SHL-dkv Document 1 Filed 04/09/15 Page 1 of 16 PageID 1 UNITED STATES DISTRICT COURT FOR THE WESTERN DISTRICT OF TENNESSEE Case 2:15-cv-02235-SHL-dkv Document 1 Filed 04/09/15 Page 1 of 16 PageID 1 UNITED STATES DISTRICT COURT FOR THE WESTERN DISTRICT OF TENNESSEE FIRST HORIZON NATIONAL ) CORPORATION and ) FIRST TENNESSEE

More information

Allocating Defense Costs Among Multiple Insurers and Between Covered and Uncovered Claims

Allocating Defense Costs Among Multiple Insurers and Between Covered and Uncovered Claims Presenting a live 90-minute webinar with interactive Q&A Allocating Defense Costs Among Multiple Insurers and Between Covered and Uncovered Claims Methods of Allocation Among Insurers and Allocation to

More information

Cyber Risk: Global Warning? by Cinzia Altomare, Gen Re

Cyber Risk: Global Warning? by Cinzia Altomare, Gen Re Cyber Risk: Global Warning? by Cinzia Altomare, Gen Re Global Warning It is a matter of time before there is a major cyber attackon the global financial system and the public needs to invest heavily in

More information

The Effect of Product Safety Regulatory Compliance

The Effect of Product Safety Regulatory Compliance PRODUCT LIABILITY Product Liability Litigation The Effect of Product Safety Regulatory Compliance By Kenneth Ross Product liability litigation and product safety regulatory activities in the U.S. and elsewhere

More information

Indemnity Agreements & California s Crawford Decision: Its Implications and Strategies for Defense

Indemnity Agreements & California s Crawford Decision: Its Implications and Strategies for Defense Indemnity Agreements & California s Crawford Decision: Its Implications and Strategies for Defense Prepared for the Construction Law Section Meeting at the 2011 Annual Meeting of the Federation of Defense

More information

The Intersection of 21st Century Risk Management and Data: Risk Allocation and Mitigation for Customer Data Breaches

The Intersection of 21st Century Risk Management and Data: Risk Allocation and Mitigation for Customer Data Breaches The Intersection of 21st Century Risk Management and Data: Risk Allocation and Mitigation for Customer Data Breaches Ethan D. Lenz, CPCU, and Christopher C. Cain, Foley & Lardner LLP Data. It has always

More information

Rolling the Dice: Insurer s Bad Faith Failure to Settle within Limits

Rolling the Dice: Insurer s Bad Faith Failure to Settle within Limits Rolling the Dice: Insurer s Bad Faith Failure to Settle within Limits By: Attorney Jeffrey J Vita and Attorney Bethany DiMarzio Clearly the obligation to accept a good-faith settlement within the policy

More information

Understanding Professional Liability Insurance

Understanding Professional Liability Insurance Understanding Professional Liability Insurance Definition Professional liability is more commonly known as errors & omissions (E&O) and is a form of liability insurance that helps protect professional

More information

UNITED STATES DISTRICT COURT EASTERN DISTRICT OF MISSOURI EASTERN DIVISION

UNITED STATES DISTRICT COURT EASTERN DISTRICT OF MISSOURI EASTERN DIVISION UNITED STATES DISTRICT COURT EASTERN DISTRICT OF MISSOURI EASTERN DIVISION CINCINNATI INSURANCE COMPANY, Plaintiff, v. No. 4:01 CV 726 DDN VENETIAN TERRAZZO, INC., Defendant. DECLARATORY JUDGMENT Pursuant

More information

Case 2:14-cv-00170-TS Document 45 Filed 05/11/15 Page 1 of 9 IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF UTAH

Case 2:14-cv-00170-TS Document 45 Filed 05/11/15 Page 1 of 9 IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF UTAH Case 2:14-cv-00170-TS Document 45 Filed 05/11/15 Page 1 of 9 IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF UTAH TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA, a Connecticut corporation, and

More information

Chapter XI INSURANCE. While many insurance policies do not cover environmental remediation and damages, insurance. A. General Liability Insurance

Chapter XI INSURANCE. While many insurance policies do not cover environmental remediation and damages, insurance. A. General Liability Insurance Chapter XI INSURANCE There are several different types of insurance that may apply to environmental problems. While many insurance policies do not cover environmental remediation and damages, insurance

More information

Case 3:10-cv-01946-SRU Document 1 Filed 12/10/10 Page 1 of 9 UNITED STATES DISTRICT COURT DISTRICT OF CONNECTICUT : : : : : : : : : : : : : : :

Case 3:10-cv-01946-SRU Document 1 Filed 12/10/10 Page 1 of 9 UNITED STATES DISTRICT COURT DISTRICT OF CONNECTICUT : : : : : : : : : : : : : : : Case 310-cv-01946-SRU Document 1 Filed 12/10/10 Page 1 of 9 UNITED STATES DISTRICT COURT DISTRICT OF CONNECTICUT TRAVELERS CASUALTY AND SURETY COMPANY as successor to THE AETNA CASUALTY AND SURETY CO.,

More information

Illinois Association of Defense Trial Counsel, IDC Quarterly, Vol. 9., No. 2

Illinois Association of Defense Trial Counsel, IDC Quarterly, Vol. 9., No. 2 Property Insurance By: Michael S. Sherman Chuhak & Tecson P.C. Chicago Extra-Contractual Damages Against Insurers: What is the Statute of Limitations? Background The Illinois Legislature has provided a

More information

BROKER/SHIPPER AGREEMENT

BROKER/SHIPPER AGREEMENT BROKER/SHIPPER AGREEMENT THIS BROKERAGE AGREEMENT ( Agreement ) is made and entered on, 20, by and between ( SHIPPER ) and Transportation Solutions Group, LLC DBA Redwood Multimodal ( BROKER ) (collectively,

More information

2014 IL App (5th) 120588-U NO. 5-12-0588 IN THE APPELLATE COURT OF ILLINOIS FIFTH DISTRICT

2014 IL App (5th) 120588-U NO. 5-12-0588 IN THE APPELLATE COURT OF ILLINOIS FIFTH DISTRICT NOTICE Decision filed 01/23/14. The text of this decision may be changed or corrected prior to the filing of a Petition for Rehearing or the disposition of the same. 2014 IL App (5th) 120588-U NO. 5-12-0588

More information

INSURANCE COVERAGE FOR CYBER RISKS AND REALITIES September 24, 2013

INSURANCE COVERAGE FOR CYBER RISKS AND REALITIES September 24, 2013 Presenters: Roberta D. Anderson John P. Scordo INSURANCE COVERAGE FOR CYBER RISKS AND REALITIES September 24, 2013 Presentation to the Association of Corporate Counsel Western Pennsylvania Chapter Copyright

More information

Law Firm Cyber Security & Compliance Risks

Law Firm Cyber Security & Compliance Risks ALA WEBINAR Law Firm Cyber Security & Compliance Risks James Harrison CEO, INVISUS Breach Risks & Trends 27.5% increase in breaches in 2014 (ITRC) Over 500 million personal records lost or stolen in 2014

More information

Be Afraid, Be Very Afraid!!! Hacking Out the Pros and Cons of Captive Cyber Liability Insurance

Be Afraid, Be Very Afraid!!! Hacking Out the Pros and Cons of Captive Cyber Liability Insurance Be Afraid, Be Very Afraid!!! Hacking Out the Pros and Cons of Captive Cyber Liability Insurance Today s agenda Introductions Cyber exposure overview Cyber insurance market and coverages Captive cyber insurance

More information

Cyber Liability Insurance: It May Surprise You

Cyber Liability Insurance: It May Surprise You Cyber Liability Insurance: It May Surprise You Moderator Eugene Montgomery, President & CEO Community Financial Insurance Center Panelists Antonio Trotta, Senior Claim Counsel, CNA Specialty William Heinbokel,

More information

WHAT IS IT, HOW TO DEAL WITH IT, AND WHERE IS IT GOING?

WHAT IS IT, HOW TO DEAL WITH IT, AND WHERE IS IT GOING? WHAT IS IT, HOW TO DEAL WITH IT, AND WHERE IS IT GOING? Moderator: Paul H. Leonard Policyholders view: Andrew M. Weiner Insurers view: Wallace C. Magathan, III First Party Hull Claims Third Party Passenger

More information

Oregon Insurance Coverage Law

Oregon Insurance Coverage Law Oregon Insurance Coverage Law The Policyholders Perspective Kevin S. Mapes Ball Janik LLP Policy Interpretation Under Oregon Law Hoffman Construction Company v. Fred S. James & Co., 313 Or 464 (1992):

More information

CLAIMS AGAINST TELEPHONE ANSWERING SERVICES: THE TRILOGY OF PREVENTION, HANDLING AND RESOLUTION PART ONE: PREVENTION AND MITIGATION

CLAIMS AGAINST TELEPHONE ANSWERING SERVICES: THE TRILOGY OF PREVENTION, HANDLING AND RESOLUTION PART ONE: PREVENTION AND MITIGATION CLAIMS AGAINST TELEPHONE ANSWERING SERVICES: THE TRILOGY OF PREVENTION, HANDLING AND RESOLUTION PART ONE: PREVENTION AND MITIGATION Martin M. Ween, Esq. Partner Wilson, Elser, Moskowitz, Edelman & Dicker,

More information

ENFIELD PIZZA PALACE, INC., ET AL. v. INSURANCE COMPANY OF GREATER NEW YORK (AC 19268)

ENFIELD PIZZA PALACE, INC., ET AL. v. INSURANCE COMPANY OF GREATER NEW YORK (AC 19268) SCHALLER, J. The plaintiffs 2 appeal from the judgment rendered in favor of the defendant, Insurance Company of Greater New York, in this declaratory judgment action concerning a dispute about the defendant

More information

Cyber Risks in the Boardroom

Cyber Risks in the Boardroom Cyber Risks in the Boardroom Managing Business, Legal and Reputational Risks Perspectives for Directors and Executive Officers Preparing Your Company to Identify, Mitigate and Respond to Risks in a Changing

More information

6 Commercial General Liability Insurance

6 Commercial General Liability Insurance 6 Commercial General Liability Insurance I. Overview 6.1 Mark D. Willmarth Deborah A. Hebert II. What Is a CGL Policy? A. Scope of a CGL Policy 6.2 B. Parts of a CGL Policy 6.3 III. The CGL Insuring Agreements

More information

Pennsylvania Superior Court Renders Pro-Policyholder Decision on Primary Insurer s Attempt to Obtain Reimbursement of Defense Costs

Pennsylvania Superior Court Renders Pro-Policyholder Decision on Primary Insurer s Attempt to Obtain Reimbursement of Defense Costs Pennsylvania Superior Court Renders Pro-Policyholder Decision on Primary Insurer s Attempt to Obtain Reimbursement of Defense Costs By: Paul E. Del Vecchio* K&L Gates Henry W. Oliver Building 535 Smithfield

More information

www.bonddickinson.com Cyber Risks October 2014 2

www.bonddickinson.com Cyber Risks October 2014 2 www.bonddickinson.com Cyber Risks October 2014 2 Why this emerging sector matters Justin Tivey Legal Director T: +44(0)845 415 8128 E: justin.tivey The government estimates that the current cost of cyber-crime

More information

Unclaimed Property Debate

Unclaimed Property Debate Unclaimed Property Debate ACLI Annual Conference New Orleans October 28, 2013 Unclaimed Property Litigation Intensifies By Steuart H. Thomsen, Phillip E. Stano, Wilson G. Barmeyer, and David W. Arrojo

More information

IN THE UNITED STATES COURT OF APPEALS FOR THE FIFTH CIRCUIT

IN THE UNITED STATES COURT OF APPEALS FOR THE FIFTH CIRCUIT Case: 13-20512 Document: 00512673150 Page: 1 Date Filed: 06/23/2014 IN THE UNITED STATES COURT OF APPEALS United States Court of Appeals FOR THE FIFTH CIRCUIT Fifth Circuit FILED June 23, 2014 Lyle W.

More information

COVERAGE. Worker s Compensation Coverage. Coverage for Employer s Liability

COVERAGE. Worker s Compensation Coverage. Coverage for Employer s Liability OVERVIEW OF WORKER S COMPENSATION AND COMMERCIAL GENERAL LIABILITY COVERAGES Tom Pontikas WORKER S COMPENSATION COVERAGE Worker s Compensation Coverage Coverage for Employer s Liability 2 WORKER S COMPENSATION

More information

Case 1:14-cv-01028-RMC Document 65-8 Filed 09/30/14 Page 1 of 10 EXHIBIT G

Case 1:14-cv-01028-RMC Document 65-8 Filed 09/30/14 Page 1 of 10 EXHIBIT G Case 1:14-cv-01028-RMC Document 65-8 Filed 09/30/14 Page 1 of 10 EXHIBIT G Case 1:14-cv-01028-RMC Document 65-8 Filed 09/30/14 Page 2 of 10 STATE RELEASE I. Covered Conduct For purposes of this Release,

More information

An Overview of the Insurance Coverage Consequences of the Las Vegas Construction Defect Conspiracy

An Overview of the Insurance Coverage Consequences of the Las Vegas Construction Defect Conspiracy An Overview of the Insurance Coverage Consequences of the Las Vegas Construction Defect Conspiracy Andrew B. Downs 1 Bullivant Houser Bailey PC 601 California St., Suite 1800 San Francisco, CA 94108-2823

More information

THE TEXAS PROMPT PAYMENT OF CLAIMS STATUTE AND ITS APPLICATION TO THE DUTY TO DEFEND

THE TEXAS PROMPT PAYMENT OF CLAIMS STATUTE AND ITS APPLICATION TO THE DUTY TO DEFEND THE TEXAS PROMPT PAYMENT OF CLAIMS STATUTE AND ITS APPLICATION TO THE DUTY TO DEFEND January 8, 2008 THOMPSON COE I. INTRODUCTION The purpose of this article is to provide the insurance claims handler

More information

CYBER 3.0. CUTTING-EDGE ADVANCEMENTS IN INSURANCE COVERAGE FOR CYBER RISK AND REALITY SFOR005 Speakers:

CYBER 3.0. CUTTING-EDGE ADVANCEMENTS IN INSURANCE COVERAGE FOR CYBER RISK AND REALITY SFOR005 Speakers: CYBER 3.0 CUTTING-EDGE ADVANCEMENTS IN INSURANCE COVERAGE FOR CYBER RISK AND REALITY SFOR005 Speakers: Roberta D. Anderson, Partner, K&L Gates LLP Timothy Flaherty, Manager, Insurance Risk Management,

More information

Anderson Brothers, Inc. v. St. Paul Fire and Marine Insurance Co.

Anderson Brothers, Inc. v. St. Paul Fire and Marine Insurance Co. Public Land and Resources Law Review Volume 0 Fall 2013 Case Summaries Anderson Brothers, Inc. v. St. Paul Fire and Marine Insurance Co. Katelyn J. Hepburn University of Montana School of Law, katelyn.hepburn@umontana.edu

More information

Insurance Coverage Issues for Products Manufactured by Foreign Companies

Insurance Coverage Issues for Products Manufactured by Foreign Companies Insurance Coverage Issues for Products Manufactured by Foreign Companies James S. Carter August 2010 TABLE OF CONTENTS Page I. INTRODUCTION...1 II. COVERAGE PROVISIONS...1 A. Duty to Defend...1 B. Duty

More information

INSURANCE CODE TITLE 10. PROPERTY AND CASUALTY INSURANCE SUBTITLE C. AUTOMOBILE INSURANCE CHAPTER 1952

INSURANCE CODE TITLE 10. PROPERTY AND CASUALTY INSURANCE SUBTITLE C. AUTOMOBILE INSURANCE CHAPTER 1952 INSURANCE CODE TITLE 10. PROPERTY AND CASUALTY INSURANCE SUBTITLE C. AUTOMOBILE INSURANCE CHAPTER 1952. POLICY PROVISIONS AND FORMS FOR AUTOMOBILE INSURANCE (SELECTED SECTIONS) SUBCHAPTER C. UNINSURED

More information

Indemnity Clauses. Just boilerplate, right?

Indemnity Clauses. Just boilerplate, right? Indemnity Clauses Just boilerplate, right? Indemnity The obligation resting on one person to make good any loss or damage another has incurred or may incur by acting at his request or for his benefit,

More information

After major construction

After major construction Anderson Kill & Olick, P.C. REAL ESTATE & CONSTRUCTION A D V I S O R www.andersonkill.com Summer 2012 Ten Tips for Pursuing Insurance and Bond Claims After Construction Accidents By Finley Harckham Finley

More information

HIPAA & HITECH Privacy and Security Concerns : Are You Covered?

HIPAA & HITECH Privacy and Security Concerns : Are You Covered? HIPAA & HITECH Privacy and Security Concerns : Are You Covered? Insurance Accounting and Systems Association Chicagoland Chapter Conference April 17, 2014 Colin Gainer & Tim Lessman SmithAmundsen, LLC

More information

Case 8:13-cv-00295-EAK-TGW Document 145 Filed 02/12/15 Page 1 of 12 PageID 5551 UNITED STATES DISTRICT COURT MIDDLE DISTRICT OF FLORIDA TAMPA DIVISION

Case 8:13-cv-00295-EAK-TGW Document 145 Filed 02/12/15 Page 1 of 12 PageID 5551 UNITED STATES DISTRICT COURT MIDDLE DISTRICT OF FLORIDA TAMPA DIVISION Case 8:13-cv-00295-EAK-TGW Document 145 Filed 02/12/15 Page 1 of 12 PageID 5551 SUMMIT CONTRACTORS, INC., Plaintiff, UNITED STATES DISTRICT COURT MIDDLE DISTRICT OF FLORIDA TAMPA DIVISION v. CASE NO. 8:13-CV-295-T-17TGW

More information

Mind the Gap Between D&O and E&O Insurance Policies

Mind the Gap Between D&O and E&O Insurance Policies Mind the Gap Between D&O and E&O Insurance Policies Katherine J. Henry Washington, D.C. Machua Millett Marsh USA, Inc. babc.com ALABAMA I FLORIDA I DISTRICT OF COLUMBIA I MISSISSIPPI I NORTH CAROLINA I

More information

CONNECTICUT I. MECHANICS LIEN BASICS

CONNECTICUT I. MECHANICS LIEN BASICS I. MECHANICS LIEN BASICS CONNECTICUT Information compiled by: William S. Wilson, II, Esq. Alfred A. DiVincentis, Esq. Wendy J. Borawski, Esq. HALLORAN & SAGE LLP One Goodwin Square 225 Asylum Street Hartford,

More information

2016 IL App (1st) 133918-U. No. 1-13-3918 IN THE APPELLATE COURT OF ILLINOIS FIRST DISTRICT

2016 IL App (1st) 133918-U. No. 1-13-3918 IN THE APPELLATE COURT OF ILLINOIS FIRST DISTRICT 2016 IL App (1st) 133918-U No. 1-13-3918 SIXTH DIVISION May 6, 2016 NOTICE: This order was filed under Supreme Court Rule 23 and may not be cited as precedent by any party except in the limited circumstances

More information

Contractual Indemnification Obligations and Insurance Coverage

Contractual Indemnification Obligations and Insurance Coverage Contractual Indemnification Obligations and Insurance Coverage Joseph Fields Steven H. Weisman McCarter & English, LLP Jacqueline Beaudet Frenkel & Company Contractual Indemnification Business contracts

More information

Are Temp Nurses Hospital Employees For Insurance Policies?

Are Temp Nurses Hospital Employees For Insurance Policies? Portfolio Media. Inc. 860 Broadway, 6th Floor New York, NY 10003 www.law360.com Phone: +1 646 783 7100 Fax: +1 646 783 7161 customerservice@law360.com Are Temp Nurses Hospital Employees For Insurance Policies?

More information

Insurance Coverage for Drywall Claims

Insurance Coverage for Drywall Claims Insurance Coverage for Drywall Claims Chinese Drywall Claims As those in the construction industry are now well aware, the use of drywall imported from China between 2004 and 2007 has led to litigation

More information

In this insurance coverage dispute, plaintiffrespondent. Keyspan Gas East Corporation seeks a declaration that

In this insurance coverage dispute, plaintiffrespondent. Keyspan Gas East Corporation seeks a declaration that ================================================================= This opinion is uncorrected and subject to revision before publication in the New York Reports. -----------------------------------------------------------------

More information

Understanding the Business Risk

Understanding the Business Risk AAPA Cybersecurity Seminar Andaz Savannah Hotel March 11, 2015 10:30 am Noon Understanding the Business Risk Presenter: Joshua Gold, Esq. (212) 278-1886 jgold@andersonkill.com Disclaimer The views expressed

More information

ADDITIONAL INSURED STATUS: RECOGNIZING COVERAGE RISKS. by Todd Rossi and Mark Mese

ADDITIONAL INSURED STATUS: RECOGNIZING COVERAGE RISKS. by Todd Rossi and Mark Mese ADDITIONAL INSURED STATUS: RECOGNIZING COVERAGE RISKS by Todd Rossi and Mark Mese I. INTRODUCTION Those with business relationships with an insured often seek to protect themselves from liability that

More information

IN THE UNITED STATES COURT OF APPEALS FOR THE ELEVENTH CIRCUIT. No. 12-11755. D.C. Docket No. 8:10-cv-00733-JSM-TGW

IN THE UNITED STATES COURT OF APPEALS FOR THE ELEVENTH CIRCUIT. No. 12-11755. D.C. Docket No. 8:10-cv-00733-JSM-TGW Case: 12-11755 Date Filed: 01/22/2015 Page: 1 of 6 [PUBLISH] IN THE UNITED STATES COURT OF APPEALS FOR THE ELEVENTH CIRCUIT No. 12-11755 D.C. Docket No. 8:10-cv-00733-JSM-TGW LETICIA MORALES, Individually

More information

Case 1:13-cv-02025-RMC Document 12-6 Filed 02/26/14 Page 1 of 11 EXHIBIT F

Case 1:13-cv-02025-RMC Document 12-6 Filed 02/26/14 Page 1 of 11 EXHIBIT F Case 1:13-cv-02025-RMC Document 12-6 Filed 02/26/14 Page 1 of 11 EXHIBIT F Case 1:13-cv-02025-RMC Document 12-6 Filed 02/26/14 Page 2 of 11 State Release I. Covered Conduct For purposes of this Release,

More information

Hot Topics in Liability Insurance: California Coverage Law and Recent Developments in Five Easy Pieces. Douglas C. Rawles Reed Smith LLP

Hot Topics in Liability Insurance: California Coverage Law and Recent Developments in Five Easy Pieces. Douglas C. Rawles Reed Smith LLP Hot Topics in Liability Insurance: California Coverage Law and Recent Developments in Five Easy Pieces Douglas C. Rawles Reed Smith LLP Outline of Discussion Topics Coverage Issues Associated with Corporate

More information

In Defense of Insured Contracts

In Defense of Insured Contracts In Defense of Insured Contracts July 2007 The term "insured contract" certainly sounds reassuring. As the definition of "insured contract" lists not only certain contracts or agreements (contract for the

More information

Navigating Vendor Management Issues in Today s Regulatory Environment

Navigating Vendor Management Issues in Today s Regulatory Environment Navigating Vendor Management Issues in Today s Regulatory Environment May 6, 2015 Elizabeth E. McGinn, Partner Moorari K. Shah, Counsel 1 Disclaimer The information contained herein is for informational

More information

Cyber Insurance What is it? Should your bank purchase it? Roberta D. Anderson Partner, K&L Gates LLP roberta.anderson@klgates.

Cyber Insurance What is it? Should your bank purchase it? Roberta D. Anderson Partner, K&L Gates LLP roberta.anderson@klgates. Cyber Insurance What is it? Should your bank purchase it? Roberta D. Anderson Partner, K&L Gates LLP roberta.anderson@klgates.com March 8, 2016 AGENDA Spectrum of Cyber Risk Cutting Edge Cyber Insurance

More information

Can You Trust A Certificate Of Insurance?

Can You Trust A Certificate Of Insurance? Portfolio Media. Inc. 860 Broadway, 6th Floor New York, NY 10003 www.law360.com Phone: +1 646 783 7100 Fax: +1 646 783 7161 customerservice@law360.com Can You Trust A Certificate Of Insurance? Law360,

More information