Class Actions vs. California Insurers: A History
The history of class action and mass tort litigation against California insurers, from Northridge to the Palisades fires, and what policyholders should know.
Contractors and Deductibles: Not as Simple as It's the Law
What contractor deductible waiver laws in Texas, California, and Florida actually say, where they break down on real claims, and why confident claims fail.
How Insurance Carriers Systematically Underpay Claims
How McKinsey and other consulting firms redesigned insurance claims handling to maximize carrier profits at the expense of policyholders. The full history.
The History of Bad Faith Insurance Law in California
The story of bad faith in California - from Comunale and Gruenberg through the Shernoff firm and Egan v. Mutual of Omaha. How the tort was invented and grew.
The History of FAIR Plans, From 1968 to Today
FAIR Plans began as a 1968 federal response to riot losses and redlining, then became today's wildfire-zone insurer of last resort. Here is the full lineage.
The Virus and Bacteria Exclusion (ISO CP 01 40)
History of the ISO CP 01 40 virus exclusion, its role in COVID-19 business interruption denials, key court decisions, and the direct physical loss debate.