Michael's Insurance Podcast: Recent Episodes
Michael Young
A short-form podcast that covers insurance news, cases, tips and other thoughts by Michael Young, an insurance coverage and bad faith lawyer in St. Louis.
michaelyoungstl.com
The choice of a lawyer is an important decision and should not be based solely upon advertisements.
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.
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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.
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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.
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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.
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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/).
The choice of a lawyer is an important decision and should not be based solely upon advertisements.
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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/).
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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).
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My good friend Shari Belitz discusses virtual jury trials.
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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)
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Michael discusses this busy time in the coverage world.
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Michael discusses his experience with a Zoom court hearing.
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Michael discusses the different schools of thought on how to establish credibility on LinkedIn.
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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).
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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).
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‘Michael discusses how teaching insurance law to less experience people can help you understand it even better.
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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/).
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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/).
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Michael discusses the birthday of his senior associate.
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You guys asked for it.
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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).
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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).
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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).
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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).
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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).
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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).
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Michael discusses whether it is a good time right now to settle cases.
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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).
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‘Michael makes his first foray into the area of fashion.
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Michael discuss whether the insurance industry as a whole can do a better job of explaining to consumers exactly what insurance is.
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Michael discusses the new hashtag #insurlaw on Twitter.
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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.
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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).
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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).
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Michael discusses why it is important for insurance companies to continue to communicate with their policyholders especially in this time of the social distancing.
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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)
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Michael discuss is the meaning of “publication” in the definition of “personal and advertising injury” in an insurance policy.
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Michael discusses his gratitude.
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Michael discusses how in these days of ever developing insurance news, it is important not to forget the basics of insurance coverage.
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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)
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‘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).
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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).
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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).
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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).
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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).
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Even though our work situations may be changing at this new coronavirus environment, Michael discusses how life goes on and so do insurance deadlines.
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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).
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‘Michael shares some unsolicited advice on how to successfully work from home.
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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/.
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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.
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Michael shares his advice for young coverage lawyers.
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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.
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We’re celebrating 50+ episodes of the podcast this week by replaying the top five most popular episodes! Here is #3!
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We’re celebrating 50+ episodes of the podcast this week by replaying the top five most popular episodes! Here is #3!
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We’re celebrating 50+ episodes of the podcast this week by replaying the top five most popular episodes! Here is #4!
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We’re celebrating 50+ episodes of the podcast this week by replaying the top five most popular episodes! Here is #5!
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Michael discusses how bad lawyering can cause an insurance company to lose its insurance coverage defenses.
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‘Michael discusses how the insurance company’s failure to settle a claim, provide a defense or otherwise handle a claim in bad faith can cost it its insurance coverage defenses.
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Michael discusses how an insurer's failure to retain the insurance policy can cause it to lose coverage defenses for which it has the burden of proof. For the Top Ten Ways that insurers can lose their coverage defenses, check out my article here (https://www.linkedin.com/pulse/top-ten-ways-insurance-companies-create-coverage-waiver-michael-young/).
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Michael discusses why it is so important for your employees to be happy.
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Michael discusses how an insurer can lose its coverage defenses by incorrectly informing the insured that the claim is covered. The case Michael discusses can be found here (https://www.heplerbroom.com/blog/careful-say-insurer-estopped-asserting-coverage-defenses-based-agents-representations/). More info on the Top Ten Ways that insurers lose their coverage defenses can be found here (https://www.linkedin.com/pulse/top-ten-ways-insurance-companies-create-coverage-waiver-michael-young/).
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Michael discusses how great it is to work with lawyers and clients who are professional.
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Michael discusses proposals to require gun owners to maintain liability insurance. You can check out a proposal made in Illinois here (http://newschannel20.com/news/local/bill-would-require-1m-liability-insurance-for-illinois-gun-owners).
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Michael discusses a recent LinkedIn post where people shared their thoughts on what the next big thing in insurance might be. You can read and comment on that LinkedIn post here (https://www.linkedin.com/posts/michaelyoungstl_insurance-activity-6634651196395184128-Tp1Y).
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Michael discusses how the insurer's failure to issue a timely declination of coverage or reservation of rights letter can cause it to lose its insurance coverage defenses in some jurisdictions. For more information on the ways that insurers can lose their coverage defenses, check out this article (https://www.linkedin.com/pulse/top-ten-ways-insurance-companies-create-coverage-waiver-michael-young/).
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Michael discusses how the insurer's failure to issue a detailed declination of coverage or reservation of rights letter can cause it to lose its insurance coverage defenses in some jurisdictions. For a slide deck of what an insurer might want to include in a ROR letter, click here (https://www.dropbox.com/s/7ghq40seivhkljc/ROR%20Slides.pdf?dl=0) For more information on the ways that insurers can lose their coverage defenses, check out this article (https://www.linkedin.com/pulse/top-ten-ways-insurance-companies-create-coverage-waiver-michael-young/).
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Michael discusses the plight of a local gas station in Birmingham, Alabama. You can read the story here (https://www.wbrc.com/2020/02/14/does-auto-insurance-cover-damage-water-gasoline/).
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Michael discusses a recent Illinois unpublished order where the duty to defend turns on the timing of the incident. You can read the order here (https://courts.illinois.gov/R23_Orders/AppellateCourt/2019/1stDistrict/1181385_R23.pdf).
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Michael discusses how insurers may lose their insurance coverage defenses when they defend their insured against a lawsuit without reservation of rights. For more information, check out Michael's article on this topic here (https://www.linkedin.com/pulse/top-ten-ways-insurance-companies-create-coverage-waiver-michael-young/).
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Michael discusses why it is so important to check the insurance policy's declarations page before conducting a coverage analysis. Here is the LinkedIn post that inspired this episode (https://www.linkedin.com/posts/michaelyoungstl_insurance-activity-6631896775282212864-bSUJ).
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Michael discusses how an insurance company's failure to investigate representations on an insured's policy application can prevent it from asserting coverage defenses based on that application in some jurisdictions. You can read how Missouri handles that issue and rescission here (https://www.dropbox.com/s/p8rnao3imkpiw1f/missouri.pdf?dl=0). And you can read about the other ways that insurers lose their coverage defenses here (https://www.linkedin.com/pulse/top-ten-ways-insurance-companies-create-coverage-waiver-michael-young/).
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Michael discusses how carriers can lose their insurance coverage defenses through inaccurate certificates of insurance. You can read Michael's article on same here (https://www.linkedin.com/pulse/top-ten-ways-insurance-companies-create-coverage-waiver-michael-young/).
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Michael discussed how carriers promising coverage during the underwriting process can cost them their insurance coverage defenses later. You can read Michael's article on same (https://www.linkedin.com/pulse/top-ten-ways-insurance-companies-create-coverage-waiver-michael-young/) and an Illinois appellate court decision on same (https://www.heplerbroom.com/blog/read-insurance-policy-carefully-insured-bound-terms-policy-alleged-representations-insurers-agent/).
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Michael discuss the Top Ten Ways that Insurance Companies Lose their Coverage Defenses. For more information, check out Michael's article on this very topic (https://www.linkedin.com/pulse/top-ten-ways-insurance-companies-create-coverage-waiver-michael-young/).
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For all its faults, we don’t see #insurance adjusters sued as often in Missouri as in other states. That said, a Missouri appellate court recently reversed a summary judgment entered in favor of an adjuster on a negligence theory. I think the decision turns largely on summary judgment procedural grounds, but it’s still something to keep in mind. The appellate court’s opinion can be found here (https://www.courts.mo.gov/file.jsp?id=149514).
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Michael discusses the Seventh Circuit's recent decision in Lexington Insurance Company v. RLI Insurance Company, in which the court find RLI's policy ambiguous yet used extrinsic evidence to rule in RLI's favor in this complex excess policy dispute. You can read the court's full opinion here (http://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Submit=Display&Path=Y2020/D01-27/C:19-1426:J:Hamilton:aut:T:fnOp:N:2464901:S:0).
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Michael discusses whether insurance claims files are discoverable in insurance coverage and bad faith litigation in Missouri.
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Michael discusses why meeting insurance clients in person is so important to developing relationships in handling complicated claims.
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Michael discusses recents comments by insurance claims professionals as to what should be on their outside counsel's New Year's Resolution List. You can contribute to the discussion on LinkedIn at https://www.linkedin.com/posts/michaelyoungstl_insurance-activity-6618867958561193984-x271.
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Michael discusses a Missouri appellate court's recent opinion in Collier v. Steinbach in which the court rejected the plaintiff's introduction of the defendant's liability insurance at trial of an auto accident case. You can read a blog post by HeplerBroom, LLC's Emily Roman about the case here (https://www.heplerbroom.com/blog/flaunting-insurance-coverage-missouri-court-reaffirms-explains-rule-referencing-partys-liability-insurance-and-rare-exception/). You can read the appellate court's opinion here (https://www.courts.mo.gov/file.jsp?id=147594).
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Michael discusses whether the plain meaning or textual approach to insurance policy interpretation is really as objective as it seems. For more information, check out Michael's article on this topic (https://www.linkedin.com/pulse/how-interpret-insurance-policy-like-its-1950-michael-young/) and the legendary article from Professor Llewellyn (http://mtweb.mtsu.edu/cewillis/Hermeneutics/Llewellyn%20on%20Canons%20of%20Interpretation.pdf).
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Michael discusses a recent Illinois appellate court case where the court held that an exclusion in an auto liability insurance policy for "bodily injury or property damage arising out of the use by any person of a vehicle without a reasonable belief that the person is entitled to do so" applied to a claim against a vehicle owner where the driver who operated the vehicle did not have a driver's license. You can read the full opinion here (https://courts.illinois.gov/Opinions/AppellateCourt/2019/1stDistrict/1181998.pdf).
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Michael discusses how the best training for new people in the insurance industry may be the people already there.
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Michael discusses a recently published an excellent article (https://www.linkedin.com/posts/judyselby_commercial-insurance-coverage-for-marijuana-activity-6623652551399133184-hxbx) by Judy Selby on commercial insurance coverage for marijuana businesses. An article from the St. Louis Post-Dispatch on the issue (https://www.stltoday.com/news/local/govt-and-politics/pot-still-popular-on-second-day-of-legal-sales-in/article_a81256c7-0191-5c89-878d-60dfc33b3f8c.html?fbclid=IwAR3Kv74-RmFlSLOmFQbvvD_aFN3TekHPtMtOfTgA0DjNRB-hxjlfORX_jws#tracking-source=home-top-story-1?utm_medium=social&utm_source=facebook_St._Louis_Post-Dispatch) also was discussed.
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Michael follows up on his discussion from LinkedIn (https://www.linkedin.com/posts/michaelyoungstl_one-or-two-spaces-after-a-period-activity-6602754339075424258-MAz0) on whether one should include one or two spaces after a period. It is hard-hitting stuff! Articles discussed include:
https://www.cultofpedagogy.com/two-spaces-after-period https://www.lawprose.org/lawprose-lessons-69-70 https://typographyforlawyers.com/one-space-between-sentences.html https://www.theatlantic.com/science/archive/2018/05/two-spaces-after-a-period/559304/
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Michael discusses the Missouri appellate court's recent decision in Sherman v. Missouri Professionals Mutual (https://www.courts.mo.gov/file.jsp?id=148393), in which the court held that the insurer did not have to pay for a consent judgment entered under RSMo 537.065 due to the insured's failure to provide timely notice.
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Michael discusses the pitfalls of litigation filed by one insurance company against another.
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Michael discusses whether it bothers clients when their lawyers tell them that they have a 50/50 chance of prevailing in the case. You can join the discussion on this issue at LinkedIn at https://www.linkedin.com/posts/michaelyoungstl_does-it-drive-you-crazy-when-your-outside-activity-6621238935760748544-ZOzY.
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This episode features a discussion by a very special guest, Shari Belitz. Shari is the CMO of Blueprint Trial Consulting, a litigation strategy firm that works with attorneys and insurance professionals to determine how jurors evaluate and decide important cases. Shari offers her opinions in this episode about our evolving jury and how it relates to social inflation. It's a great listen! If you would like more information or to get in touch with Shari at Blueprint Trial Consulting which provides jury research and consulting, graphics consulting and production, and trial presentation services, you can contact her at sbelitz@blueprinttrial.com or visit Blueprint’s website at www.BlueprintTrial.com. You can also download Shari's bio here (https://www.dropbox.com/s/3qhy2nw5xstrpdi/Shari%20Belitz%20Bio.docx?dl=0.)
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Michael continues his discussion of insurance policy interpretation, using exclusions for claims for property damage arising out of rodents and insects as examples. You can read the squirrel story discussed in the podcast here (https://www.cbs46.com/news/squirrel-damages-home-insurance-company-refuses-to-pay/article_a73d5060-30da-11ea-9e1b-779c25edc5dc.html). Michael's article on policy interpretation can be found here (https://www.heplerbroom.com/cmss_files/attachmentlibrary/News/2014-MLY-MODL-Article.pdf).
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Michael discusses whether Illinois applies a textual or functional approach to insurance policy interpretation. The Illinois appellate court's recent decision in Lloyd's v. Metropolitan Builders, Inc. (https://courts.illinois.gov/Opinions/AppellateCourt/2019/1stDistrict/1190517.pdf), which reviewed whether coverage for a construction defect claim could be found under a commercial general liability policy, is used as an example.
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Michael shares one of his favorite insurance coverage/bad faith holiday stories, "'Twas the Night Before the Mediation."
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Michael discusses how Washington (https://www.spokesman.com/stories/2019/dec/02/washington-dnr-leader-pitching-new-home-auto-insur/) and California (https://www.nytimes.com/2019/12/05/climate/california-fire-insurance-climate.html) seem to take different approaches to the role that insurance may play in the wildfire crisis.
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Michael plays a segment from a prior webinar he presented on challenges that insurers face in depositions in insurance coverage and bad faith litigation.
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Michael discusses a recent opinion by the Missouri Court of Appeals in Ferguson v. St. Paul (https://www.courts.mo.gov/file.jsp?id=147054), in which the court addressed which policy period covered a claim for malicious prosecution. This episode also features the debut of Michael's senior associate, Elizabeth Young (age 10).
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Michael discusses an article he published on why insurance companies should consider communicating with their outside coverage counsel after counsel has reviewed the relevant file materials before a coverage opinion is drafted. You can read the article here (https://www.dropbox.com/s/iwpspc27wut4drz/CPCUSocietyINSIGHTS_Winter_2019_Discussing%20Coverage%20Issues.pdf?dl=0).
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What should an insurance company consider including in the conclusion of a reservation of rights letter? Listen to find out! Want to learn more about ROR letters? Check out my slide deck on same (https://t.co/p8ZcdX8H6C?amp=1).
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What should an insurance company consider including in the ROR section of a reservation of rights letter? Listen to find out! Want to learn more about ROR letters? Check out my slide deck on same (https://t.co/p8ZcdX8H6C?amp=1).
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What should an insurance company consider including in the policy provisions section of a reservation of rights letter? Listen to find out! Want to learn more about ROR letters? Check out my slide deck on same (https://t.co/p8ZcdX8H6C?amp=1).
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What should an insurance company consider including in the facts section of a reservation of rights letter? Listen to find out! Want to learn more about ROR letters? Check out my slide deck on same (https://t.co/p8ZcdX8H6C?amp=1).
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What should an insurance company consider including in the introduction of a reservation of rights letter? Listen to find out! Want to learn more about ROR letters? Check out my slide deck on same (https://t.co/p8ZcdX8H6C?amp=1).
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Michael starts a series on reservation of rights letters and discusses the basic sections of those letters.
For more information, here is a slide deck on what an insurer may consider including in a reservation of rights letter (https://t.co/p8ZcdX8H6C?amp=1).
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Here are Michael’s takeaways from his panel discussion on bifurcation of liability claims files at the CLM New York Conference.
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Michael discusses how bifurcating a liability claims file with insurance coverage issues may help preserve the insurer’s attorney-client privilege.
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Michael describes one of the "no-brainers" of insurance coverage analysis that is often overlooked.
For a list of other no-brainers, check out this article (https://www.linkedin.com/pulse/five-often-overlooked-no-brainers-insurance-coverage-analysis-young/)
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Not returning phone call, that's what!
Here is the article Michael references in the episode (https://www.linkedin.com/pulse/things-drive-insurance-companies-crazy-outside-counsel-michael-young/)
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Today Michael discussed "social inflation" and how it may affect liability claims.
He discusses this article about a recent verdict in St. Louis County (https://www.stltoday.com/news/local/crime-and-courts/jurors-say-police-sergeant-should-get-almost-million-in-discrimination/article_e7305f25-64be-5391-8d4b-5c1f92f2be1b.html), and this Survey Report from Willis Towers Watson (https://www.willistowerswatson.com/en-us/insights/2019/11/insurance-marketplace-realities-2019-fall-update-executive-summary).
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Michael Young reveals the details of his new podcast (Michael's Insurance Daily) which starts on December 2, 2019.
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