Michael's Insurance Daily

In this bonus episode, Seth Lamden from Blank Rome LLP shares some thoughts on how policyholders might better ensure liability insurance coverage for construction defect or faulty workmanship claims. --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses the role that George Tinker played in the decades-long dispute over whether construction defect claims are covered by CGL policies. He is joined by Seth Lamden, a partner in the Chicago office of BlankRome LLP. Excellent sound effects, with some modifications, courtesy of Timbre (https://freesound.org/people/Timbre/sounds/392182/). The choice of a lawyer is an important decision and should not be based solely upon advertisements. --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

In this bonus episode, Michael Young and his legal partner Aleen Tiffany discuss strategies to protect against false certificates of insurance. The choice of a lawyer is an important decision and should not be based solely upon advertisements. --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses whether certificates of insurance are really "worthless." He is joined by his HeplerBroom partner Aleen Tiffany. Excellent sound effects, with some modifications, courtesy of pyoorgoodshed (https://freesound.org/people/pyoorgoodshed/sounds/426650/), betchkal (https://freesound.org/people/betchkal/sounds/258322/), and copyc4t (https://freesound.org/people/copyc4t/sounds/146434/). The choice of a lawyer is an important decision and should not be based solely upon advertisements. --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael explains the little known story behind the Illinois Supreme Court's landmark decision in Maryland Casualty Co. v. Peppers, one of the first cases in the country to recognize an insured's right in some instances to independent defense counsel. You can read the decision here (https://law.justia.com/cases/illinois/supreme-court/1976/47755-6.html). You can view the Made in the USA documentary mentioned in the episode here (https://video.ninenet.org/video/made-in-usa-the-east-st-louis-story-ccgfta/?gclid=CjwKCAiArbv_BRA8EiwAYGs23PDK_aQyU-jLnAFjb2Qzs4tBwXecsjW_XQP6kOjJNfwtiN-6WHQPWRoC6u0QAvD_BwE). Excellent sound effects, with some modifications, courtesy of kwahmah_02 (https://freesound.org/people/kwahmah_02/sounds/244932/); and TaranP (https://freesound.org/people/TaranP/sounds/362206/). --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses a recent proposal to require police officers to purchase professional liability insurance. You can read the news story here (https://kstp.com/news/minneapolis-reform-plan-would-require-insurance-for-officers-/5754058/). You can read his LinkedIn post here (https://www.linkedin.com/feed/update/urn:li:activity:6676283456097411073/). --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael previews his webinar set for Thursday, June 11 at 4 pm eastern / 3 pm central, that will discuss handling non-COVID-related claims in a COVID-19 World. You can register for the FREE webinar here (https://protect-us.mimecast.com/s/HFh5C82XE0IXYGJAf20isW?domain=zoom.us). --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

My good friend Shari Belitz discusses virtual jury trials. --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses whether the intended or expected injury exclusion might apply to liability claims due to COVID-19. You can find the article discussed in the episode here (https://chicago.suntimes.com/columnists/2020/5/8/21252579/gov-j-b-pritzker-stay-home-order-coronavirus-illinois-reopen-lawsuits-rich-miller-capitol-fax) --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses this busy time in the coverage world. --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses his experience with a Zoom court hearing. --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses the different schools of thought on how to establish credibility on LinkedIn. --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses a recent LinkedIn post where people contributed their suggestions on how they would like to change insurance policies. You can read the post here (https://www.linkedin.com/posts/michaelyoungstl_insurance-activity-6661115030181855232-PSaE). --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Mcihael discusses the importance of issuing a proper denial letter. You can read the lawsuit he discusses here (https://www.linkedin.com/posts/michaelyoungstl_042820-mo-activity-6661390948615929857-Pr5d). --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

‘Michael discusses how teaching insurance law to less experience people can help you understand it even better. --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses a recent article about the Australian Open's efforts to renew its pandemic insurance. You can read the article here (https://www.tennis.com/pro-game/2020/04/tiley-says-australian-open-has-pandemic-insurance-needs-renew-it/88515/). --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses whether various executive orders issued by state governments will determine whether business interruption coverage will apply for coronavirus claims. You can see an interactive map of these orders here (https://www.riskgenius.com/insurance_prospectus/riskgenius-emergency-order/). --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses the birthday of his senior associate. --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

You guys asked for it. --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discuses the request that a MDL setting be established to litigate business interruption claims in federal court. You can read the request here (https://www.linkedin.com/posts/michaelyoungstl_mdl-brief-activity-6658371521016315904-Jy4R). --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses his recent article regarding whether the pollution exclusion may apply to COVID-19-related liability claims. You can read his article here (https://www.linkedin.com/pulse/pollution-exclusion-eliminate-coverage-liability-claims-michael-young). --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael shares his thoughts on the attacks against the “big, bad” insurance company. You can read the article referenced here (https://www.linkedin.com/posts/michaelyoungstl_insurance-activity-6657253186795032576-QDKP). --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael previews his webinar presentation for NAMIC on the differing approaches to insurance policy interpretation and bad faith claims. NAMIC members can register for the April 16 webinar here (https://www.namic.org/edu/virtual/compliance/agenda#200416). --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses a recent Illinois where the appellate court whether evidence outside of the underlying complaint is relevant for purposes of the duty to defend. You can read the court's opinion here (https://courts.illinois.gov/Opinions/AppellateCourt/2020/1stDistrict/1182491.pdf). --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses what we can learn so far from the lawsuits seeking business interruption coverage due to the COVID-19 situation. You can read the complaints online in this public folder (https://www.dropbox.com/sh/q8gj1ggvrk4eekk/AABcEOCUGicPhRyqVQOEO_Qqa?dl=0). --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses whether it is a good time right now to settle cases. --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses a recent Missouri appellate court opinion that allowed evidence of the insurer's claims conduct after suit was filed to demonstrate the insurers vexatious refusal to pay. You can read the court's opinion here (https://www.courts.mo.gov/file.jsp?id=154356). --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

‘Michael makes his first foray into the area of fashion. --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discuss whether the insurance industry as a whole can do a better job of explaining to consumers exactly what insurance is. --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses the new hashtag #insurlaw on Twitter. --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael welcomes back a very special guest, Shari Belitz from Blueprint Trial Consulting (blueprinttrial.com), to discuss how the ongoing COVID-19 situation may affect social inflation and nuclear verdicts. You do not want to miss this one! For more information, you can email Shari at sbelitz@blueprinttrial.com or call her at 201-838-1027. --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses a recent news story that raises the question of whether we are paying too much for auto insurance in light of the decreased traffic due to coronavirus. You can read the story here (https://www.forbes.com/sites/advisor/2020/03/31/consumer-groups-say-were-overpaying-for-car-insurance/#61719dcf2073). You can discuss in Michael's LinkedIn post here (https://www.linkedin.com/posts/michaelyoungstl_insurance-activity-6651271568548786176-gngl). --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses a news story about well-known chefs talking to the President of the United States about business interruption coverage. You can read the story here (https://www.restaurantbusinessonline.com/operations/well-known-chefs-band-together-demand-government-action-business-interruption). Another story here (https://www.restaurant-hospitality.com/legal/chefs-law-firm-form-coalition-fight-insurance-claims-related-coronavirus). --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses why it is important for insurance companies to continue to communicate with their policyholders especially in this time of the social distancing. --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses a news story that tries to explain how costly business interruption claims due to coronavirus could be for the insurance industry if it is required to pay these claims. You can read the story here (https://amp-insurancejournal-com.cdn.ampproject.org/c/s/amp.insurancejournal.com/news/national/2020/03/30/562738.htm) --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discuss is the meaning of “publication” in the definition of “personal and advertising injury” in an insurance policy. --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses his gratitude. --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses how in these days of ever developing insurance news, it is important not to forget the basics of insurance coverage. --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses a series of states that are either requiring or recommending that insurance companies renew policies or allow grace periods for insureds to pay their premiums. You can read his LinkedIn post on this topic here (https://www.linkedin.com/posts/michaelyoungstl_insurance-activity-6648240704718016512-1ocw) --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

‘Michael discusses mediating the case by video. You can find his LinkedIn post on this topic here (https://www.linkedin.com/posts/michaelyoungstl_insurance-activity-6647514606753374208-CU4B). --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses how many states by court order or otherwise are extending the statute of limitations to deal with the coronavirus crisis. Here is the LinkedIn post where you can find or add to the list of states that are extending these time limitation periods (https://www.linkedin.com/posts/michaelyoungstl_ks-order-activity-6647168990084952064-C14Q). --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses whether Congress may a play a role in the business interruption coverage debate over coronavirus claims. You can read the letter from Congress here (https://www.dropbox.com/s/f5bbtuxg71y27yg/Congress%20Letter.pdf?dl=0). You can read the insurance industry's response here (https://www.dropbox.com/s/iu9hcr01yelgusd/Joint_Trades_Response_1584664931.pdf?dl=0). --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses a bill introduced in New Jersey to require insurers to pay certain coronavirus claims. You can read the bill here (https://legiscan.com/NJ/text/A3844/id/2173309). --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses the first lawsuit seeking insurance coverage for a coronavirus-related claim. You can read the lawsuit here (https://www.dropbox.com/s/8g0bv75qvg83yt9/LA%20BI%20Petition.pdf?dl=0). --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Even though our work situations may be changing at this new coronavirus environment, Michael discusses how life goes on and so do insurance deadlines. --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael shares some additional thoughts on whether business interruption claims due to coronavirus may be covered by insurance. You can find the article by his partner Rick Hammond here (https://www.dropbox.com/s/sh5i5xednwvevf1/The_Coronavirus_Impact_on_Business_Interruption_Coverage_1584139438.pdf?dl=0). You can read local the local newspaper story here (https://www.stltoday.com/business/local/it-s-crippling-restaurants-hit-by-coronavirus-won-t-get/article_c10fad44-1e19-5b2f-928f-35966dc3d3db.html). --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

‘Michael shares some unsolicited advice on how to successfully work from home. --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Special guest Meg McKeen, founder of Adjunct Advisors, LLC, discusses some business development ideas for attorneys. You can learn more about Meg and her company at https://www.adjunctadvisors.com/. --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses a recent Missouri appellate court case in which the court explained the importance of using dictionaries to interpret insurance policy language. You can download the case here. --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael shares his advice for young coverage lawyers. --- Send in a voice message: https://anchor.fm/michaelyoungstl/message

Michael discusses whether the recent cancellation of the SXSW conference is covered by insurance. Articles discussed in the episode include this one from The Austin Chronicle and one from Variety. You can weigh in on Michael's LinkedIn page here. --- Send in a voice message: https://anchor.fm/michaelyoungstl/message