This is No “Accident”: Ohio Court Rules CGL Policy Doesn’t Cover Shoddy Subcontractor Work

One of the ongoing battles in construction defect coverage law around the country is whether a general contractor’s commercial general liability (“CGL”) policy obligates the insurer to defend and indemnify the general contractor in a lawsuit based on faulty work performed—not by the general contractor—but on its behalf by a subcontractor. Yesterday, Ohio joined a small minority of states when its high court ruled that damage from a subcontractor’s faulty work is not an accident triggering an insurer’s defense obligation.
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Courts Continue to Limit Coverage for Data Breach Claims under CGL Policies

This past week, a Florida federal court dealt another blow to policyholders seeking coverage for data breach claims under traditional commercial general liability (CGL) policies, finding that coverage was not afforded under a CGL policy for a claim involving a data breach incident that exposed credit card information and resulted in more than $1.4 million in damages. St. Paul Fire & Marine Ins. Co. v. Rosen Millennium, Inc., No. 617CV540ORL41GJK, 2018 WL 4732718 (M.D. Fla. Sept. 28, 2018). Given the increasing frequency and magnitude
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