On March 27, 2020, Louisiana’s Insurance Commissioner, Jim Donelon, issued Emergency Rule 39 in response to the COVID-19 pandemic. Emergency Rule 39 provides all commercial insureds in Louisiana the right to demand a “mid-term self-audit” to determine if their policy premiums should be reduced, as long as the commercial insurance policies are “rated using an

Businesses are scouring their insurance policies for coverage for COVID-19 losses.  Among the insurance policies that may provide coverage for such losses are commercial property policies, pollution liability policies, general liability policies, workers’ compensation policies, and employment practices liability policies.

Coverage Under Property Policies (Business Interruption)

Commercial property insurance policies often provide coverage for

On October 22, 2019, the Louisiana Supreme Court issued its opinion in the Smith v. Citadel Insurance case.  Kean Miller’s Insurance Recovery Team assisted several amici in presenting arguments to the Court in the case.

In Smith, the Louisiana Supreme Court held that an insured’s bad faith claims against its insurer are governed by

Policyholders are often disappointed in the amount of time their insurers take to investigate and pay claims.  In 2003, the Texas Legislature enacted the Texas Prompt Payment of Claims Act (“TPPCA”) to facilitate the prompt investigation and payment of Texas insurance claims.[2] Codified at Section 542 of the Texas Insurance Code, the TPPCA imposes