California
Fox Paine & Company, LLC, et al. v. Twin City Fire Insurance Company, et al.
Year: 2025
Court: Supreme Court of California
Case Number: S287404
Issue:
  • Excess Insurance / Exhaustion
State:
  • California

In its amicus brief, United Policyholders urges the California Supreme Court to reverse the Court of Appeal’s ruling in Fox Paine, which held that a policyholder cannot seek declaratory relief against excess insurers until the immediately underlying insurer has actually paid its policy limits. UP…
Weyerhaeuser Co. v. National Interstate Ins. Co.
Year: 2025
Court: United States Court of Appeals for the Ninth Circuit
Case Number: 24-3066
Issue:
  • Self-Insured Retention
State:
  • California

In its amicus brief, United Policyholders contends that “self-insurance” does not constitute insurance and, in fact, is its antithesis.
Los Angeles Unified School District v. Lexington Insurance Company
Year: 2025
Court: California Second Appellate District
Case Number: B340066
Issue:
  • Accident/Occurrence
  • Employee's Torts and Negligence
  • Employer's Vicarious Liability
State:
  • California

In its amicus brief, United Policyholders addresses important doctrinal questions regarding liability insurance coverage for liabilities arising from an employer’s negligent hiring, supervision, or retention of an employee that causes harm or commits an intentional tort. Specifically, United Policyholders’ brief addresses how it is necessary…
Evanston Insurance Company v. Roman Catholic Bishop of Orange
Year: 2025
Court: United States Court of Appeals for the Ninth Circuit
Case Number: 25-3165
Issue:
  • Aggregate Limits
  • Policy Interpretation
State:
  • California

In its amicus brief, United Policyholders addresses whether an insurance policy that does not contain an aggregate limit should have an aggregate limit imposed by a court on the grounds that a general liability policy with only a per occurrence limit of liability, and no…
Nargizyan v. State Farm
Year: 2025
Court: California Second Appellate District
Case Number: B342340
Issue:
  • Water Damage
State:
  • California

In its amicus brief, United Policyholders weighs in on the important issues of water loss claims for homeowners in the context of the “Continuous or Repeated Seepage or Leakage” (CRSL) exclusion. Across the state of California and around the country, certain insurance companies have been…
Montrose Chemical Corp. of California v. Superior Court (Canadian Universal)
Year: 2025
Court: California Supreme Court
Case Number: S285083, S293914
Issue:
  • Extrinsic Evidence & Qualified Pollution Exclusion
State:
  • California

United Policyholders submitted multiple letters in support of the petition for review. The letters addressed issues including (a) the important in support of petition for review regarding (a) the important and recurring issue of California insurance law concerning whether and when a policyholder may offer…
Gharibian v. Wawanesa General
Year: 2025
Court: California Supreme Court
Case Number: S289700
Issue:
  • Physical Loss or Damage
State:
  • California

United Policyholders in partnership with the Consumer Federation of America submitted a request for depublication letter to the California Supreme Court. This issue regarded a California Court of Appeal decision that misconstrued well-established law when it held that a homeowner’s property insurance policy does not…
Fox Paine & Co v. Twin City Fire Insurance Co.
Year: 2024
Court: California Supreme Court
Case Number: S287404
Issue:
  • Excess Insurance
State:
  • California

United Policyholders submitted two letters to the California Supreme Court (first a request for depublication on November 4, 2024 and then subsequently a letter in support of petition for review on December 9) regarding the issue of whether a policyholder who faces a large liability…
Myasnyankin v. Nationwide Mutual Insurance Company
Year: 2023
Court: California Court of Appeal, First Appellate District, Division Two
Case Number: A166946
Issue:
  • Claims Handling
State:
  • California

United Policyholders’ amicus brief addresses the issue of an insured’s right to video record an insurer’s participants in an examination under oath (“EUO”)proceeding. United Policyholders takes the position that Insurance Code section 2071.1, which provides the insured with the right to “record the examination proceedings…
Starlight Cinemas, Inc. v. Massachusetts Bay Insurance Co.
Year: 2023
Court: Court of Appeal of the State of California Second Appellate District, Division Seven
Case Number: B313518
Issue:
  • COVID-19
State:
  • California

Letter requesting depublication.
Mark Bennett, D.D.S. v. Ohio National Life Assurance Corporation
Year: 2023
Court: Court of Appeal of the State of California First Appellate District, Division III
Case Number: A166049
Issue:
  • Statute of Limitations
State:
  • California

In its amicus curiae brief, United Policyholders supports an insured doctor in the context of disability insurance. Lifetime benefit cases are an increasingly important issue given that individuals who purchased such policies in the mid to late 90s are now often reaching age 65. In…
John’s Grill, Inc., et al. v. The Hartford Financial Services Group, Inc., et al.
Year: 2023
Court: California Supreme Court; Court of Appeal of the State of California First Appellate District, Division IV
Case Number: S278481; A162709
Issue:
  • COVID-19
State:
  • California

United Policyholders supports an insured seeking coverage for COVID-19 related losses. In its amicus brief before the California Supreme Court, United Policyholders addresses the issue of illusory coverage in the context of an insurance policy that contains a “Limited Fungi, Bacteria or Virus Coverage” endorsement.…
Truck Insurance Exchange v. Kaiser Cement and Gypsum Corp. et al.
Year: 2022
Court: California Supreme Court
Case Number: No. S273179
Issue:
  • Allocation
State:
  • California

United Policyholder’s amicus brief discusses important issues of equitable contribution and allocation between primary and excess insurers, including explaining how one proposed equitable contribution scheme would impact policyholder rights and the future availability of funds in the context of asbestos-related liabilities.
California Fair Plan Association v. Ricardo Lara
Year: 2022
Court: Court of Appeal of the State of California Second Appellate District, Division III
Case Number: B316058
Issue:
  • Regulatory Authority
State:
  • California

In its amicus curiae brief, United Policyholders supports the California Department of Insurance’s orders requiring the California Fair Plan to provide enhanced coverages, including liability insurance, as part of a basic homeowners insurance policy.
ConAgra Grocery Products Company, et al. v. Certain Underwriters at Lloyd’s, London, et al.
Year: 2022
Court: California Supreme Court
Case Number: A160548
Issue:
  • Accident/Occurrence & Intentional Acts
State:
  • California

Letter supporting review.
United Talent Agency v. Vigilant Insurance Co.
Year: 2022
Court: California Supreme Court
Case Number: B314242
Issue:
  • COVID-19
State:
  • California

Letter requesting depublication.
Another Planet Entertainment, LLC v. Vigilant Insurance Co.
Year: 2023
Court: California Supreme Court
Case Number: S277893
Issue:
  • COVID-19
State:
  • California

United Policyholders submitted a letter supporting the request for certification and amicus brief in this case regarding coverage for business interruption insurance resulting from COVID-19.
Anchors and Whales, et al. v. Crusader Insurance Company
Year: 2022
Court: Court of Appeal of the State of California First Appellate District, Division II
Case Number: A164412
Issue:
  • COVID-19
State:
  • California

In its amicus curiae brief, United Policyholders supports coverage for an insured’s business interruption losses related to the SARS-CoV-2 virus and COVID-19. UP argues that decades of case law and on-point California state appellate court authority demonstrate what the insurance industry and policyholders have long…