Mind the Gap Between D&O and E&O Insurance Policies
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1 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 TENNESSEE
2 Today s Presentation Primer on E&O and D&O coverage Mind The Gap Key cases
3 Gap Between D&O & E&O Tagged, Inc. v. Scottsdale Insurance Co., 2011 U.S. Dist. LEXIS, at *14-22 (S.D.N.Y. May 27, 2011) (California law) Social website for teenagers advertised that it would protect minor users from adult content. New York State asserted that it had failed to do so. Court denied coverage under D&O and E&O coverages in the same package policy D&O E&O
4 E&O and D&O Primer Cover Claims for Loss Cover Defense Costs Often no duty to defend Defense costs reduce limits Timing of insurer payment Duty to pay (best) Duty to reimburse (better) Duty to indemnify (better) Duty to defend (least preferred)
5 Who Needs E&O Coverage? Any company that provides a service for a fee Doctors, lawyers, accountants, architects, engineers Insurance companies, banks and any other provider of financial services But also A to Z: Advertising agencies, commercial printers, consulting firms, public relations firms, software design firms web hosting companies, even wedding planners Not limited to traditional professions
6 E&O Policies Insure: Alleged or actual negligence Personal injury Libel and slander Copyright infringement Claims and damages Defense costs
7 Professional Services Definition Key to coverage Tagged: Professional Services definition limited to Tagged s provision of advertising services Tagged s liability arose from other services not within scope of definition
8 E&O Policies May Not Insure: Fraudulent acts (final adjudication) Employment matters False advertising Patents and trade secrets Cyber liability Personally identifiable information
9 D&O Policies Insure: Directors and officers Pay their non-indemnified defense costs Pay their non-indemnified losses Company for indemnified defense costs and losses incurred on behalf of directors and officers Tied to alleged wrongful acts in capacity as directors and officers Company coverage
10 D&O Insuring Clauses
11 Side A Non-Indemnified Coverage
12 Side B Indemnified Coverage Reimburses company for defense and indemnity of directors and officers
13 Side C Securities Coverage for Public Companies
14 Side C Broader Coverage for Private Companies
15 Misconduct Exclusions Exclude fraudulent, criminal or intentional non-compliant acts Excludes coverage where directors obtained illegal remuneration or acted for personal profit Always seek final adjudication requirement
16 Misconduct Exclusions Severability Nonrescindability Innocent directors remain fully covered even if the acts of their colleagues were intentional or fraudulent
17 Interplay Between E&O and D&O Lack of fit between D&O and E&O can create a coverage gap Often arises in connection with professional services
18 Professional Services Exclusion Excludes Claims arising out of any actual or alleged act, error, omission, misstatement, misleading statement or breach of duty in connection with the rendering of, or failure to render, professional services to a third party
19 Professional Services Exclusion
20 Case Law Summary: Health Care Charleston Area Medical Center, Inc. v. National Union Fire Insurance, No. 2:09-cv , 2011 U.S. Dist. LEXIS 58520, at *27-30 (S.D.W.Va. June 1, 2011) (West Virginia law)
21 Case Law Summary: Health Care Policy excluded coverage for claims alleging, arising out of, based upon or attributable to the Insureds performance or rendering of or failure to perform or render medical or other professional services or treatments for others.
22 Case Law Summary: Equine Leasing Great American Insurance Co. v. Geostar Corp., 2010 U.S. Dist. LEXIS (E.D. Mich. Mar. 5, 2010)
23 Case Law Summary: Equine Leasing Policy excluded coverage for any Claim:... based upon, alleging, arising out of, or in any way relating to, directly or indirectly, any actual or alleged act, error or omission by any insured with respect to the rendering of, or failure to render professional service for any party.
24 Case Law Summary: Investments MDL Capital Management, Inc. v. Federal Insurance Co., 274 Fed. Appx. 169, 173 (3d Cir. 2008) (Pennsylvania law)
25 Case Law Summary: Investments D&O policy professional liability exclusion for claim that arises from... the rendering of or failure to render professional services.
26 Fill the Gap Between D&O & E&O Coordinate policy language so E&O coverage equal to or broader than D&O professional liability exclusion Use same primary insurer for both E&O and D&O E&O Coverage Consider package policy D&O Exclusion
27 Questions? Katherine J. Henry Machua Millett
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