Articles by Andrew G. Simpson

Simpson is a freelance writer and editor. He retired as Chief Content Officer for Wells Media Group in July, 2022 after 18 years with the company.

Massachusetts High Court: Policy Terms, Not Common Law, Control in Loss Prevention Cost Claim

In a pollution liability case, the Massachusetts high court has determined that an insurer does not have a common law duty to cover the expenses that a business incurred in its efforts to prevent an imminent covered loss. Salad dressing …

Insurers, Agents Spared in New Jersey Shooting Claims

A federal judge in New Jersey has ruled that a New Jersey property owner is not entitled to insurance coverage for a shooting because it never disclosed it owned the banquet hall where the shooting took place on its two …

Suit Alleges Agency Liable in Accidental Child Shooting Due to Home Office

The parents of a Maine three-year old boy who accidentally shot himself with a loaded pistol filed a negligence suit against the owner of a Vermont home where the boy found the gun while on a visit. The boy’s family …

Pennsylvania Helps Buffalo Clear Snow; State Acts on Insurance, Banks, Flood Risk

Like a good neighbor, the state of Pennsylvania is sending equipment and personnel to help neighboring Buffalo, New York, dig out from the recent deadly winter storm that dumped more than four feet of snow in the region and has …

Top Court Grants a Mulligan, Overturns $3.5M Penalty Against Club for Errant Golf Balls

The Massachusetts Supreme Judicial Court has granted a country club another shot at defending itself after a jury last year penalized it $3.5 million for golf balls veering onto a homeowner’s adjacent property. The state’s high court ordered a retrial …

Judge Sends Philadelphia Eagles, 76ers Covid Insurance Ruling Into Overtime

Rather than rule on them, a federal judge in Pennsylvania has allowed similar Covid-19 business insurance cases brought by owners of the Philadelphia Eagles and Philadelphia 76ers sports teams against their insurers to proceed to limited discovery. U.S. District Judge …

Dog Attack Clearly Excluded From Apartment Complex Owner’s Policy

The animals exclusion in an apartment complex owner’s liability policy is not ambiguous and the insurer rightfully denied a claim involving a boy who was injured when he was attacked by a dog while visiting in an apartment in the …

Maryland High Court Joins Others in Backing Insurer in Covid-19 Claims Denial

The Maryland Supreme Court has backed an insurer in rejecting a luxury brand company’s claim that its all-risk commercial property insurance policy should cover its Covid-19 business losses. The ruling is in accord with Covid-19 rulings by high courts in …

Court Defines Insurance Broker’s Duty to Inform LLCs About Workers’ Compensation

What is the duty of an insurance broker in New Jersey to members of a limited liability corporation (LLC) when it comes to workers’ compensation coverage? The New Jersey Supreme Court this week ruled that a broker has a “non-waivable” …

Uninsured Motorist Coverage Does Not Apply to Horse-Drawn Buggy

Delaware courts have never before been asked whether a horse-drawn buggy is a motor vehicle. Now a state court has definitively ruled that a horse-drawn buggy is not a motor vehicle. “The plain meaning of ‘motor vehicle’ does not include …