Insurance Law Commons^™

The Coming Health Insurance Transition, Brendan S. Maher

Faculty Scholarship

For decades, the dominant form of private health insurance in the United States—by far—has been employment-based group health insurance. Somewhere in the range of 175 million employees and their families receive health care coverage through a system in which employers serve as financiers, procurers, administrators, and fiduciaries of the health insurance promise. An overwhelming percentage of those health insurance arrangements are governed by ERISA, with little room for state law.

That is going to change.

This Article explains—for the first time anywhere—why and how. Because of the tremendous and as-yet unrecognized power of an obscure-sounding funding arrangement called the Individual …

Private Coverage, Public Risk: The Role Of Cyber Insurance In National Security Governance, Deborah L. Johnson

Faculty Publications

This Article explores the growing yet underexamined role of the commercial cyber insurance market in shaping the United States' approach to cybersecurity readiness. It argues that, as cyber threats against U.S. critical infrastructure and essential services increase, commercial cyber insurance has quietly come to function as a de facto governance tool in national cybersecurity. In hospitals, water and energy systems, and other public-facing sectors, policy language, underwriting questionnaires, and post-breach claims practices help define what counts as "reasonable" security, influence how organizations plan for and respond to incidents, and affect the pace and scope of recovery after an attack. Yet …

Uncovering Settlements: Problems, Opportunities And Solutions For Settling Liability Cases In Which Insurance Coverage Is In Dispute, Marialuisa Gallozzi, Jodi Mcdougall, James Murray, Catalina Sugayan

Connecticut Insurance Law Journal

No abstract provided.

Artificial Intelligence In The Insurance Industry And Bad Faith Risk, Mary E. Borja, Edward J. Currie Jr., Lorelie Masters

Connecticut Insurance Law Journal

No abstract provided.

An Ethics Conundrum: What Am I? Coverage Counsel Or Claim Investigator Or Both?, Neil B. Posner

Connecticut Insurance Law Journal

No abstract provided.

What Is The Availability Of Insurance Coverage For Claims Of Sexual Misconduct And Abuse?, Paul Walker-Bright, Karen Dixon, Michael Hamilton, Seth Row

Connecticut Insurance Law Journal

No abstract provided.

The Liability Insurer’S Duty To Defend “Suits”, Douglas R. Richmond

Connecticut Insurance Law Journal

No abstract provided.

Tel-Ai-Matic Privacy, Anya E.R. Prince

Connecticut Insurance Law Journal

Vehicles collect a staggering amount of data from drivers and passengers for various reasons. Automobiles increasingly include sensors and technology to improve safety and driver convenience. But auto insurers also find this trove of consumer data useful for pricing through telematics. An ever-growing number of data points can be fed into artificial intelligence (AI) systems to identify correlations with driving risk. Yet the data can also reveal sensitive information related to health and protected traits. Lawmakers, regulators, and plaintiffs are increasingly scrutinizing the privacy practices of automakers and data brokers. Growing scrutiny of automakers' practices necessarily draws attention to the …

Governing Algorithmic Insurance: Reconciling The Eu Ai Act With Insurance-Specific Regulation, Pierpaolo Marano, Shu Li

Connecticut Insurance Law Journal

Artificial intelligence (AI) is reshaping the insurance industry, driving automation in underwriting, claims handling, and risk assessment. These technological developments offer enhanced efficiency and innovation, but they also raise complex legal questions regarding transparency, fairness, bias, and accountability. Within the European Union, existing regulatory frameworks—chiefly Solvency II and the Insurance Distribution Directive (IDD)—provide prudential and conduct-of-business safeguards but were not designed with algorithmic systems in mind. In response to emerging challenges, the EU adopted the Artificial Intelligence Act in 2024, establishing a horizontal, risk-based legal framework applicable across all sectors, including insurance. This article provides an EU-focused legal analysis of …

Insurability And Liability For Ai-Caused Harms, Mark A. Geistfeld

Connecticut Insurance Law Journal

The opacity of AI decision-making has led many tort scholars to conclude that ordinarily it will be infeasible to prove negligence or defect-based forms of products liability for AI-caused harms. According to mainstream tort theory, this evidentiary hurdle justifies strict enterprise liability for commercial AI distributors. Fully internalizing injury costs within these business enterprises adequately incentivizes them to adopt reasonably safe practices while relying on their liability insurance policies to efficiently and fairly compensate accident victims.

Mainstream theory, however, decisively biases the analysis in favor of strict enterprise liability by not accounting for how the expansion of liability would substantially …

Insurance And The Law Of Artificial Intelligence, Kenneth S. Abraham, Catherine M. Sharkey

Connecticut Insurance Law Journal

This Essay predicts that concerns about the insurability and insurance of AI liability will prove to be either exaggerated or unwarranted as the future unfolds. AI liability is already covered by a number of existing forms of “silent” liability insurance. We also predict the growth of “affirmative” AI insurance that expressly covers specified AI losses. There are already tiny bits of such insurance. That is how cyber insurance began, and it is now a thriving, $16.6 billion business in the U.S. alone. We believe that affirmative AI insurance will develop in a similar fashion, and that courts should anticipate such …

Federal Appeals Court Rules West Virginia Medicaid Coverage Exclusion Of ‘Sex-Change’ Surgery Is Legal, Arthur S. Leonard

Other Publications

No abstract provided.

North River Ins. Co. Vs. James River Ins. Co. (Nrap 5), 123 Nev. Adv. Op. 45 (Jan. 29, 2026), Bowen Fuller

Nevada Supreme Court Summaries

Equitable subrogation allows excess insurers who contributed to a settlement to assert any claim against a primary insurer that the insured could have asserted.

Insuring Algorithmic Liability: A Response To Artificial Intelligence, Judicial Evolution, And Insurance, Daniel Schwarcz

Articles

No abstract provided.

Climate Last Resorts, Michael Pappas

Publications

The United States faces a climate crisis, an affordable housing crisis, and, linking them both, an insurance crisis. At the intersection of these concurrent predicaments lie a set of little-known but surprisingly impactful policies: state Insurer of Last Resort (ILR) programs. ILRs are state policies that provide property insurance when private insurance is unavailable, such as when private insurers determine that climate hazards are too risky to underwrite.

This Article argues that long-overlooked ILR programs are quickly becoming lynchpins for addressing some of today’s most pressing concerns around climate, housing, and insurance. Accordingly, ILRs bear urgent attention and reevaluation. In …

Read But Not Understood? An Empirical Analysis Of Consumer Comprehension In Homeowners Insurance, Daniel Schwarcz, Brenda J. Cude, Kyle D. Logue, German Marquez Alcala

Articles

Modern contract law assumes that consumers meaningfully assent to the standard forms that govern their daily lives. However, this assumption is widely regarded as a legal fiction for two key reasons: first, most consumers do not read standard forms, and second, even those who do often struggle to fully comprehend their terms and implications. Although the lack of consumer reading has been well documented through empirical research, consumers’ ability to comprehend standard-form contracts has received surprisingly little attention.

This Article addresses the latter issue by empirically examining whether providing excerpts from the dominant standard-form homeowners insurance policy improves consumer understanding …

Artificial Intelligence, Judicial Evolution, And Insurance, Renee Henson

Faculty Publications

AI-driven platforms have the potential to inflict traditional injuries in new ways. Proprietary algorithms trained on large volumes of personal data can cause mental, emotional, and sometimes physical injuries via conversational exchanges, harmful content recommendations, and the promotion of extremist content. This "algorithmic liability" fundamentally challenges existing legal doctrines and statutory protections, thereby exposing deficiencies in current insurance coverage frameworks. 

Historically, courts dismissed algorithmic liability claims early in litigation, invoking Section 230 immunity and First Amendment protections, and resisted classifying algorithmic tools as "products" for the purposes of products liability law. Recent jurisprudence, however, signals a critical turning point. On …

Excluded At The Root: Health Insurance Discrimination Against Hair Loss Conditions, Stacey A. Tovino, Tracy Hresko Pearl

Faculty Articles

No abstract provided.

Unh Healthcare Vitals: Health Insurance Premiums Are Skyrocking For 2026-- Why?, Lucy Hodder

Law Faculty Scholarship

Health insurance premiums and out-of-pocket costs in New Hampshire are projected to rise sharply in 2026 due to expiring federal subsidies, escalating prescription drug prices, hospital consolidation, workforce shortages, and policy changes. Without intervention, affordability will worsen for individuals and employers, with significant impacts on coverage and access. The report outlines policy recommendations to help mitigate these challenges for Granite Staters.

The Return Of Private Law, Anthony J. Sebok

Articles

Recent events offer a grim picture of the future of public law. In particular, President Trump’s assault on the administrative state seems destined to hamper the ability of agencies to protect the public in familiar areas such as drug safety, auto safety, environmental protection, and consumer protection.

Government-Backed Insurance For Artificial Intelligence Technologies, Renee Henson

Faculty Publications

Artificial intelligence (AI) is an unpredictable technology that has the capacity to both help and harm people. Although insurance plays a key role in compensating for harms in other contexts, AI-produced damages evade traditional principles of risk pricing which limits viable commercial insurance coverage. AI requires modified insurance systems that can compensate diverse and unpredictable losses. Just like AI, at one time nuclear energy was viewed as a new and profitable, yet wholly unpredictable, technology that had the capacity to cause devastating harm. AI poses similar threats to society in certain domains, including, for example, health care (e.g., risk management …

Insurance Era: Risk, Governance, And The Privatization Of Security In Postwar America: An Essay Review, Katherine Hempstead

Connecticut Insurance Law Journal

No abstract provided.

E/Insuring The Ai Age: Empirical Insights Into Artificial Intelligence Liability Policies, Anat Lior

Connecticut Insurance Law Journal

Insurance represents an important but underappreciated part of our lives. Both individuals and corporations gain from purchasing coverage from insurers to manage and hedge their risks. It is a necessary mechanism in modern society to support innovation while ensuring that its unavoidable victims will be compensated. The innovation of emerging technologies alters the existing risk landscape, challenging insurance companies, innovators, and individuals' ability to manage their risks. The current emerging technology of Artificial Intelligence (Al) significantly emphasizes this trend. Insurance companies are grappling with the notion of Al. They are exploring different traditional and novel insurance products that they can …

Like A Good Neighbor, State Courts Are There: The Case For Remanding Covid-19 Business Interruption Actions To State Court, Gabriel L. Johnson

Connecticut Insurance Law Journal

Following the emergence of COVID-19 and resulting civil orders seeking to stop its spread, many businesses filed claims with their insurance providers for “business interruption” coverage, a type of insurance intended to compensate businesses for income lost during a temporary forced closure. When insurance companies roundly denied these claims, many small-business owners filed lawsuits in state courts. Insurance company defendants largely removed these cases to federal courts, and business owner plaintiffs filed to remand back to state court. In one consolidated appeal heard by the Third Circuit, DiAnoia’s Eatery, LLC v. Motorist Mutual Insurance Co., businessowner plaintiffs seeking remand to …

Changemaker: Justin Pruett : Juris Doctorate : More Than Words: Insurance Lawyer Justin Pruett L'11 Takes A Different Route Into The Courtroom 2-10-2025, Roger Williams University School Of Law

Life of the Law School (1993- )

No abstract provided.

Read But Not Understood? An Empirical Analysis Of Consumer Comprehension In Homeowners Insurance, Daniel Schwarcz, Brenda J. Cude, Kyle D. Logue, German Marquez Alcala

Law & Economics Working Papers

Modern contract law assumes that consumers meaningfully assent to the standard forms that govern their daily lives. However, this assumption is widely regarded as a legal fiction for two key reasons: first, most consumers do not read standard forms, and second, even those who do often struggle to fully comprehend their terms and implications. While the lack of consumer reading has been well-documented through empirical research, consumers’ ability to comprehend standard form contracts has received surprisingly little attention.

This Article addresses the latter issue by empirically examining whether providing excerpts from the dominant standard form homeowners insurance policy improves consumer …

Human Masters/Robot Servants: Highly Automated Vehicle Design, Intoxicated Drivers & Vicarious Liability, William H. Widen, Marilyn C. Wolf

Articles

A traditional engineering role is to design a safe product. Safety engineering is an exercise in harm avoidance ex ante. In contrast, liability attribution is an exercise to compensate for loss post hoc — traditionally viewed as a legal matter. We observe that, when a natural person incurs liability for a loss that exceeds insurance coverage, economic ruin can follow. Neither engineering nor law focus on the loss suffered by defendants considering law as a "safety risk." The highly automated vehicle (HAV) design space, however, provides an opportunity to prevent this kind of economic harm from occurring ex ante just …

Obamacare For Homeowners Insurance: Fixing America's Broken Insurance Markets In A Time Of Climate Change, Daniel Benjamin Schwarcz

Articles

Over the last decade, homeowners insurance markets nationwide have experienced unprecedented instability due to climate change. These disruptions, which are likely to accelerate in the coming years, risk destabilizing real estate markets, triggering financial instability, and undermining the nation’s resilience to climate change. Despite these massive stakes, federal and state reforms to date have largely failed to result in more accessible and affordable homeowners insurance coverage that promotes climate change resilience. This Article offers a new way forward, arguing that today’s troubled homeowners insurance markets resemble the broken, state health insurance markets that pre-dated the 2010 passage of the Affordable …

Profiteers Of Death, Match Dawson

Faculty Articles

Brazenly operating within the illicit world of stranger-owned life insurance (“STOLI”), unscrupulous investors and colluding life insurance agents unapologetically engage in a calculated dance of fraud and deceit. With the skill of seasoned con artists, these “Profiteers of Death” prey upon the unsuspecting elderly community, strategically targeting senior assisted living facilities by dangling the golden carrot of easy money in exchange for unwittingly selling away their insurability for little more than copper pennies. Standing idle like salivating vultures, the Profiteers of Death make a mockery of legislative attempts to curb the illegitimate secondary market, perfectly exploiting regulatory deficiencies as they …

Consumer Claims For Insurance Company Drone Surveillance, Chad J. Pomeroy

Faculty Articles

Many people do not own their homes outright-they finance the purchase of their home by taking out a mortgage against it. This typically means that the homeowner is contractually obligated to do a number of things-like pay real property taxes, keep the property in good condition, and keep it insured, even as prices skyrocket. But even worse, the pool of providers is materially shrinking with some insurers now either not writing or limiting new policies or tightening underwriting standards in some markets. Insurance companies pull out of markets because they cannot make enough money in those markets to be profitable. …