The Robins Kaplan Insurance Insight

The Insurance Insight newsletter delivers practical content to help you navigate the current challenges and latest developments in the insurance industry. This newsletter is curated by the women of Robins Kaplan with the goal of celebrating women in the profession and exploring topics of general interest in the insurance field. 

Vol. 1, No. 3

Fall 2017

For our Summer installment of The Robins Kaplan Insurance Insight we bring you the latest on flood related insurance developments including insights on storm surge coverage, anti-concurrent causation language in a post-Sebo landscape and the insurance industry’s response to Trump’s withdrawal from the Paris Climate Agreement. On the non-flood front we bring you information on building relationships with clients through coordinated corporate compliance programs, surety concerns for performance bond pitfalls, and recent concerns in computer fraud coverage.

We hope you enjoy this edition’s offerings and we welcome your feedback on topics and areas of interest for upcoming issues.

In This Issue

  • Hurricane Irma and Florida’s Enforcement of Anti-Concurrent Cause Clauses
  • An Angry Sea: The State of Storm Surge Coverage
  • California DOI Responds to the U.S. Withdrawal from the Paris Climate Agreement
  • The Next Frontier in Customer Service: Helping Insureds Manage Their Risks by Building Corporate Compliance Programs
  • One Phish, Two Phish: Recent Developments in the World of Computer Fraud Coverage

Elizabeth Burnett


Co-Chair, Diversity, Equity and Inclusion Committee

Melissa M. D'Alelio


Member of Executive Board
Chair, Insurance and Catastrophic Loss Group

Christina M. Lincoln, MLIS


Co-Chair, Women of Robins Kaplan (WoRK) Resource Group
Pronouns: she/her

Litigation following Hurricane Katrina and Superstorm Sandy led to changes in storm surge coverage; Hurricanes Irma and Harvey will likely do the same. These coverage decisions will unfold against the existing backdrop of storm surge decisions.
The California Insurance Commissioner has called President Trump’s decision to leave the Paris Agreement “one of the worst abdications of United States leadership” in recorded history. In response, the Commissioner has vowed to uphold California’s commitment to reducing carbon emissions and has requested that insurers divest their thermal coal holdings.
Insurers assessing coverage for Irma claims should consider how Florida courts have interpreted anti-concurrent cause language for losses caused by multiple independent perils.
"I meant what I said, and I said what I meant," Dr. Seuss once quipped. Courts, nationwide, are stating likewise when it comes to insureds seeking coverage for phishing scams under their crime policies, specifically the Computer Fraud Coverage Form found in many commercial property policies.
The next great idea for providing service and value to insureds appears to lie in the collaboration with insureds to help build corporate compliance programs that help those insureds reduce their overall claim exposure and, therefore, premiums for those policies relating to internal company risks, such as policies offering employment practices liability insurance, directors and officers liability insurance, and crime and fidelity insurance.

Vol. 1, No. 1

Inaugural Edition 2017

Vol. 1, No. 2

Spring 2017

Vol. 1, No. 4

Winter 2017