The 10 Latest Insurance, Reinsurance, and Surety Articles

McDermott+ Check-Up: June 12, 2026

McDermott Will & Schulte LLP — Fri, 12 Jun 2026 14:31:18 -0500

THIS WEEK’S DOSE House Appropriations Committee advances Labor-HHS FY 2027 bill. After a 12-hour session, the fiscal year (FY) Labor, Health and Human Services, Education, and Related Agencies (Labor-HHS) funding bill advanced by a 34 – 28 party-line vote. House Energy and Commerce Health Subcommittee reviews healthcare transparency bills. Democrats and Republicans agreed that legislation to increase transparency in healthcare pricing and market consolidation would reduce costs by increasing consumer awareness. House passes reconciliation 2.0 bill. The package, which includes no healthcare provisions and funds US Immigration and Customs Enforcement and US Customs and Border Patrol, was signed into law by President Trump. House Education and Workforce Subcommittee on Workforce Protections examines locum tenens providers. Members and witnesses discussed advantages and disadvantages of these providers while evaluating their employment classification and arrangements as independent… Read the complete article here... © 2026 McDermott Will & Schulte LLP

Campus Risk Playbook Series: The Coverage Gap No One Is Talking About—Federal Government Investigations

Hunton Andrews Kurth — Thu, 11 Jun 2026 15:04:37 -0500

For colleges and universities, enforcement actions brought by federal government agencies, such as the US Department of Education’s Office for Civil Rights (OCR), the US Department of Justice (DOJ), or the US Department of Health and Human Services (HHS), raise a financial threat before any lawsuit is ever filed or before any federal funding is pulled. As the federal government increases its scrutiny of higher education institutions, responding to investigations can require significant expenditures on outside counsel, document production, and compliance efforts. Many colleges and universities may not realize until it is too late that these costs fall outside the scope of their insurance coverage. Recent data underscores the point. In January 2026 alone, OCR initiated numerous Title IX investigations.[1] At the same time, thousands of OCR civil rights investigations remain pending nationwide.[2] While some high-profile cases from OCR and DOJ have resulted in lawsuits or monetary… Read the complete article here... Copyright © 2026, Hunton Andrews Kurth LLP. All Rights Reserved.

CMS Issues Interim Final Rule on Medicaid Work Requirements

Epstein Becker & Green, P.C. — Thu, 11 Jun 2026 09:43:51 -0500

On June 3, 2026, the Centers for Medicare & Medicaid Services (CMS) published an interim final rule with comment period entitled “Medicaid Program: Community Engagement Requirement for Certain Individuals” (the “Interim Final Rule” or “IFC”), 91 FR 33348, setting forth engagement or work obligations for both individual adults and states with respect to Medicaid. What You Need to Know Work Requirements: The Interim Final Rule requires that certain adult Medicaid applicants and enrollees (aged 19 through 64), as a condition of Medicaid eligibility, meet an 80-hour-per-month work requirement through employment, education, work programs, or community service. Exemptions: The IFC’s exemptions include individuals who are pregnant, postpartum, disabled, medically frail, American Indian or Alaska Native, parents or caregivers of young children or people with disabilities, or already complying with similar requirements through the Supplemental Nutrition Assistance Program (SNAP) or the… Read the complete article here... ©2026 Epstein Becker & Green, P.C. All rights reserved.

Hurricane-Proof Your Coverage- Essential Tips for Homes and Businesses as the 2026 Hurricane Season Approaches

Hunton Andrews Kurth — Thu, 11 Jun 2026 09:01:15 -0500

Although early forecasts suggest the 2026 hurricane season may be below historical averages, the risk of severe storms remains significant. Even relatively quiet seasons can produce major (Category 3+) hurricanes that make landfall along the Atlantic coast. Forecasts illustrate this continued exposure. Colorado State University projects 13 named storms, including six hurricanes—two of which may reach major strength—while AccuWeather expects three to five storms to directly impact the United States. Storms that make landfall typically drive the most significant losses, with the average economic loss for a Category 3+ storm ranging from $50 billion to $200 billion. Importantly, because of uninsured flood risks and storm surge differences, insured losses generally capture only a fraction of the total economic toll. Against this backdrop, proactive insurance planning is critical. Securing a well-structured program with appropriate limits, sublimits, and endorsements before a storm strikes… Read the complete article here... Copyright © 2026, Hunton Andrews Kurth LLP. All Rights Reserved.

Why Insurance Transactions Fail: A Structural Analysis of Regulatory, Licensing, and Operational Risk

Sheppard, Mullin, Richter & Hampton LLP — Wed, 10 Jun 2026 14:33:15 -0500

Insurance and insurance-adjacent transactions—particularly those involving managing general agents (MGAs), program administrators, third-party administrators (TPAs), brokers, and insurtech platforms—do not typically fail because of the headline issues identified early in the process. Rather, failure is more often attributable to structural misalignment between regulatory requirements, licensing frameworks, and the post-closing operating model. This misalignment is frequently embedded at the outset. By the time it is identified, it is either too late to remediate efficiently or too costly to justify continuation of the transaction. 1. The Core Analytical Framework: “What Must Be True at Close and Day One?” A disciplined transaction process in the insurance sector begins with a threshold question: What regulatory, licensing, operational, and contractual conditions must be satisfied for the transaction to (i) close and (ii) operate compliantly and effectively on Day One? This inquiry… Read the complete article here... Copyright © 2026 Sheppard

New York's 2026 Tort Reform: Key Changes to New York State Civil Procedure Laws With Respect to Motor Vehicle Accident Litigation

Wilson Elser Moskowitz Edelman & Dicker LLP — Tue, 09 Jun 2026 16:02:06 -0500

On May 27, 2026, Governor Kathy Hochul signed New York's 2026 state budget into law. The $268.1 billion budget includes significant tort reform provisions for New York State motor vehicle litigation. The reforms took effect immediately and apply to all motor vehicle actions commenced on or after the law’s passage, other than accidents resulting in a death or property damage. I. Shift from Pure to Modified Comparative Negligence in Motor Vehicle Cases The biggest change is to C.P.L.R. § 1411, which has long governed comparative negligence in New York. With the addition of a new subsection "b," New York now moves from a pure to a modified comparative negligence state but just for motor vehicle accident cases. Under a pure comparative negligence system, plaintiffs could recover compensation even if they were predominantly at fault. For example, a party who was 99 percent responsible for an accident could still recover one percent of the total damages. Now, under the new law, a plaintiff… Read the complete article here... © 2026 Wilson Elser

If You’re Buying SpaceX, Can You Insure the Elon Musk Risk?

Katten — Tue, 09 Jun 2026 14:24:34 -0500

The forthcoming SpaceX initial public offering presents an unusual opportunity to examine an underexplored corner of insurance law. Under Texas law, which governs as the jurisdiction of Elon Musk’s domicile, every investor who purchases shares in the SpaceX IPO may plausibly be characterized as holding a cognizable insurable interest in Musk’s continued life. The argument is novel in its application, but it rests on foundations that are entirely conventional under Texas doctrine once the IPO’s own disclosures are taken seriously. The Texas Framework Texas has long been among the most permissive jurisdictions in the country with respect to insurable interest.[1] The Texas Insurance Code and the case law interpreting it recognize that an insurable interest in the life of another may arise from a legitimate economic relationship in which the interest-holder would suffer a quantifiable financial loss from the insured’s premature death. No blood relationship, no privity and no formal… Read the complete article here... ©2026 Katten Muchin Rosenman LLP

TEXAS INSURANCE EXEMPTION APPLIED!- Senior Life Insurance Company Loses War But Wins Important Battle for Insurance Companies Sued Under Texas State Registration Rules

Troutman Amin, LLP — Fri, 05 Jun 2026 09:58:13 -0500

With the Texas telemarketing registration rules recently amended to make them even more dangerous it is important for companies making marketing calls and texts– yes, even consented marketing calls and texts– to understand the ground rules. Among the thicket of provisions in the Texas regulation are a series of exemptions for licensed businesses– including insurers. But do those exemptions mean what they say? Well in Sutton v. Senior Life Insurance Company, 2026 WL 1611881 (W.D. Tex. June 1, 2026) the court applied the exemption of Tex. Bus. & Com. Code § 302.053(3) to conclude the Defendant could not be liable for a registration violation: Plaintiff also claims Defendant violated TBCC § 302.101 by calling her without a telephone solicitation registration certificate.But the registration requirement “does not apply to … a person who holds a license issued under the Insurance Code if thetransaction is governed by that code.” 13 Defendant is licensed to sell life insurance under the… Read the complete article here... © 2026 Troutman Amin, LLP

Bad Faith and Unfair Trade Practices Claims Against Insurers in North Carolina- What Policyholders Need to Know

Ward and Smith, P.A. — Fri, 05 Jun 2026 09:46:14 -0500

You find yourself on the receiving end of a demand, a lawsuit, or a loss. You did everything right. You paid your premiums on time. You filed your claim promptly. You cooperated with the investigation. And yet, your insurer denied your claim or offered a fraction of what you believe your policy provides, with no explanation of how the policy justifies its response. For many North Carolina business policyholders, this experience is more than a contractual dispute. It may be evidence of bad faith (i.e., a failure by the insurer to deal fairly and honestly with the very people it contracted to protect). North Carolina law provides meaningful remedies when insurers cross that line, including the possibility of treble damages where there are unfair and deceptive trade practices involved and attorneys’ fees. Despite the importance of these remedies, many business policyholders do not fully understand when an insurer has acted in bad faith, what legal tools are available to them, or how to… Read the complete article here... © 2026 Ward and Smith, P.A.. All Rights Reserved.

Delay Matters: Florida’s Fourth DCA Reverses Hurricane Irma Dismissal

Hunton Andrews Kurth — Thu, 04 Jun 2026 14:00:41 -0500

The mantra “delay, deny, defend” is frequently referenced in discussions of insurance claims handling, though insurers will invariably disavow these tactics. While it would be facially improper for an insurer to delay a coverage decision to gain a tactical advantage, empirical examples nonetheless exist. This very dynamic was addressed by Florida’s Fourth District Court of Appeals when it handed policyholders a win in Hypoluxo Mariner’s Cay Condo. Ass’n, Inc. v. Underwriters at Lloyd’s London, No. 4D2024‑2250 (Fla. 4th DCA Apr. 1, 2026), reversing a trial court order dismissing a condominium association’s Hurricane Irma coverage lawsuit against its property insurer. Delay to Run the Statute of Limitations Following Hurricane Irma, a condominium association suffered roof and exterior envelope damage, reported an insurance claim, and submitted a sworn proof of loss to its property insurer in compliance with Florida Statute § 627.70132 (2020). The statute establishes a timeframe within… Read the complete article here... Copyright © 2026, Hunton Andrews Kurth LLP. All Rights Reserved.