North River Insurance Company and RiverStone Claims Management LLC v. Landis+Gyr Technology, Inc.
Year: 2026
Court: Indiana Supreme Court
Case Number: 25A-PL-00375
Issue:
  • Choice of Law
State:
  • Indiana

In its amicus brief, United Policyholders urges the Indiana Supreme Court to grant transfer and clarify that Indiana’s “most intimate contact” choice-of-law analysis should focus on the practical location and quality of the insured risk rather than mechanically counting insured locations. UP argues that this…
Pryce v. Progressive Cas. Ins. Co.
Year: 2026
Court: United States Court of Appeals for the Second Circuit
Case Number: 25-2994
Issue:
  • Auto insurance
  • Calculation of Limits
  • policyholder reasonable expectations
State:
  • New York

In its amicus brief, United Policyholders filed an amicus brief supporting policyholders challenging Progressive’s practice of reducing no-fault wage-loss payments through statutory offsets while simultaneously counting the larger pre-offset amount toward exhausting policy limits. UP argued that this approach violates policyholders’ reasonable expectations and the…
Spectrum Retirement Communities, LLC, et al. v. Continental Casualty Company
Year: 2026
Court: Supreme Court of Colorado
Case Number: 2025SC433
Issue:
  • COVID-19
State:
  • Colorado

In its amicus brief, United Policyholders urges the Colorado Supreme Court to reverse the Court of Appeals majority’s ruling in Spectrum, which imposed a judicially created “complete uninhabitability” requirement for coverage under standard all-risk commercial property insurance policies. UP argues this requirement has no basis…
Second Green Mountain Townhouse Corporation v. Mesa Underwriters Speciality Insurance Company
Year: 2026
Court: United States Court of Appeals for the Tenth Circuit
Case Number: 25-1448
Issue:
  • Consent Judgments
State:
  • Colorado

In its amicus brief, United Policyholders urges the Court to uphold the validity and enforceability of covenants not to execute in the insurance context. UP argues that these agreements serve important public policy goals by promoting settlement and conserving judicial resources, that Colorado law properly…
Chris Eldredge Containers, LLC v. National Union Fire Insurance Company of Pittsburgh, PA, et al.
Year: 2026
Court: Supreme Court of Pennsylvania
Case Number: Consolidated Case Nos. 59 MAP 2025 & 60 MAP 2025
Issue:
  • Duty to Defend / Auto Exclusion
State:
  • Pennsylvania

In its amicus brief, United Policyholders urges the Pennsylvania Supreme Court to affirm the Superior Court’s ruling in favor of policyholder Chris Eldredge Containers, LLC. The case turns on whether an “Absolute Auto, Aircraft and Watercraft Exclusion” bars the insurers’ duty to defend where the…
Ex parte State Farm Fire and Casualty Company (In re: James M. Foor and Krystina Foor v. State Farm Fire Mutual Insurance Company)
Year: 2026
Court: Supreme Court of Alabama
Case Number: SC-2025-0918
Issue:
  • Discovery Sharing Provisions / Protective Orders in Bad Faith Insurance Litigation
State:
  • Alabama

In its amicus brief, United Policyholders contends that the trial court acted within its broad discretion in issuing a limited discovery sharing provision, permitting plaintiff’s counsel to use discovered materials in similarly situated bad faith cases. UP argues that such provisions promote fairness, prevent insurer…
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…
Starr Indemnity & Liability Insurance Co., v. American Commercial Barge Line, LLC
Year: 2025
Court: Indiana Court of Appeals
Case Number: 25A-PL-01073
Issue:
  • Choice of Law
  • Maritime
State:
  • Indiana

In its amicus brief, United Policyholders argues against the application of federal admiralty law relating to insurance claims of a nonmarine nature. Insurance policies that provide broad-based and nonmarine coverages that are clearly distinct and separate from other covered maritime risks as a general rule…
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: 2026
Court: California Second Appellate District
Case Number: B342340
Issue:
  • Water Damage
State:
  • California

United Policyholders has been getting numerous reports in recent years about water damage claims being aggressively denied on specious grounds. We have also received information about a major insurer having a “secret” water damage initiative through which it is strategically denying water damage claims.  UP…
Montrose Chemical Corp. of California v. Superior Court (Canadian Universal)
Year: 2026
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 as well as an amicus brief on the merits. UP’s submissions argue that when interpreting insurance policies, courts should not refuse to consider relevant extrinsic evidence simply because the policy language appears unambiguous…
Spectrum Retirement Communities, LLC, et al. v. Continental Casualty Company
Year: 2025
Court: Colorado Supreme Court
Case Number: 2025SC433
Issue:
  • COVID-19
State:
  • Colorado

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’s brief addresses the far-reaching and adverse effects that the lower court’s split decision is likely to have on Colorado policyholders, if not…
Griffith Foods International, Inc., and Sterigenics, U.S., LLC v. National Union Fire Insurance Company of Pittsburgh, P.A.
Year: 2025
Court: Illinois Supreme Court
Case Number: 131710
Issue:
  • Sudden and Accidental Pollution Exclusion
State:
  • Illinois

In its amicus brief, United Policyholders provides a detailed analysis of history and case law demonstrating that a business’s emissions pursuant to a governmentally issued permit do not and should not qualify as “traditional environmental pollution” and thus fall outside general liability policies’ standard pollution exclusion.
United Services Automobile Association and State Farm v. Anthony Wenzell
Year: 2025
Court: Colorado Supreme Court
Case Number: 2024SC000372
Issue:
  • Exhuastion
State:
  • Colorado

In its amicus brief, United Policyholders argues in favor of nullifying exhaustion provisions in excess underinsured-motorist insurance policies.
Griffith v. Property and Casualty Ins. Co. of Hartford
Year: 2025
Court: Oregon Supreme Court
Case Number: S072088
Issue:
  • Attorney's Fees
State:
  • Oregon

In its amicus brief, United Policyholders weighs in regarding attorney fee awards, arguing that making an insured whole is a key compensatory purpose of attorney fee awards and that any award amount that would leave an insured less than whole undermines the purpose of ORS…
Century Indemnity Co. V. Brooklyn Union Gas Co.
Year: 2025
Court: New York Supreme Court Appellate Division First Department
Case Number: 2024-00848
Issue:
  • Contra Proferentem
State:
  • New York

In its amicus brief, United Policyholders weighs in on one of the bedrock principles of insurance law, the doctrine of contra proferentem. Under the doctrine, ambiguous terms in insurance contracts are construed against the insurer. And the rationale is straightforward. Insurance companies write the policies…