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You are here: Home / Archives for Christopher B. Freeman

About Christopher B. Freeman

Chris Freeman is a shareholder at Carlton Fields in Atlanta, Georgia. Connect with Chris on LinkedIn.

No Offer, No Rejection, No Bad Faith: Georgia Supreme Court Limits Liability for an Insurer’s Bad Faith Refusal to Settle

March 15, 2019 by Amanda Proctor and Christopher B. Freeman

On March 11, 2019, the Georgia Supreme Court handed down an important decision in First Acceptance Insurance Company of Georgia, Inc. v. Hughes, which further clarifies the circumstances under Georgia law for when an insurer may be liable for bad faith in refusing to settle a claim within policy limits. In Hughes, the insured caused a multi-vehicle accident and resulting injury to five individuals. An attorney who represented two of those individuals – Julie An and ... Keep Reading »

When a Nightclub Is Forced to Say Goodnight: California Appellate Court Applies Broad Reading of “Loss of Use” Provision

December 14, 2018 by Christopher B. Freeman

Nightclub Party

The frustration property owners must feel when the actions of another cause them to no longer be able to use their property as originally intended is certainly palpable, but when the property is not damaged and still can be used for other purposes, is there a covered loss of use of tangible property? The California Court of Appeal answered this question affirmatively in Thee Sombrero, Inc. v. Scottsdale Insurance Company, No. E67505 (Cal. App. Ct. Oct. 25, 2018). Thee ... Keep Reading »

Shot Through the Heart, But the Excess Carrier Isn’t to Blame: Georgia Federal Court Finds Policy’s Broad Firearms Exclusion Bars Coverage

June 16, 2017 by Christopher B. Freeman and Meredith Whigham Caiafa

On June 1, 2017, the U.S. District Court for the Northern District of Georgia granted summary judgment in favor of AIG Specialty Insurance Co. in a case involving the application of the firearms exclusion in Powe v. Chartis Specialty Insurance Co., No. 1:16-CV-01336. The court dismissed the case, in which claimant Christopher Powe sought the remaining $3 million of a $4 million settlement against the insureds, property management company HMI Property Solutions, Inc. ... Keep Reading »

A Stitch in Time Saves … An Insured From Incurring Non-Covered Defense Costs

April 7, 2017 by Christopher B. Freeman

Timely notice is typically a condition precedent to coverage under an insurance contract, though many states require an insurer to demonstrate prejudice before denying coverage solely based on a failure to comply with a notice provision. However, as the court found in EmbroidMe.com, Inc. v. Travelers Property Casualty Company of America, No. 14-10616 (11th Cir. Jan. 9, 2017), even in the absence of demonstrable prejudice to an insurer, late notice by the insured may ... Keep Reading »

Eleventh Circuit Affirms Summary Judgment for Insurer on Basis of “Other Capacity” Exclusion

July 2, 2015 by Christopher B. Freeman

Picture of National Canadian Liberation Monument

On June 22, 2015, the Eleventh Circuit affirmed the grant of summary judgment in favor of National Union Fire Insurance Company of Pittsburgh, Pa., in an action where the insured sought coverage under a D&O policy.  The court found that the claim was excluded under a provision barring coverage for claims “arising out of” alleged misconduct in a capacity other than as a corporate officer and director, and that, accordingly, there was no bad faith as a matter of ... Keep Reading »

New York District Court Rejects Excess Carrier’s Attempt to Stack Primary Limits in Continuous Exposure Case

December 11, 2014 by Christopher B. Freeman

Picture of Pancakes

Cases involving continuous exposure present unique challenges.  Determining when the alleged injury occurred is critical in evaluating causation, damages, and statute of limitations defenses.  The date and nature of the alleged occurrence is also often determinative of coverage.  And as a recent decision from the Northern District of New York reminds us, the question is not only whether there is coverage in the first instance, but also which carrier has to pay. The ... Keep Reading »

Well, That Seemed Exhausting: When Is an Excess Insurer Obligated to Post an Appellate Bond?

November 13, 2014 by Christopher B. Freeman

Picture of a Bail Bond Sign

"You say to-may-toe; I say to-mah-toe," or so the saying goes.  According to the Eastern District of Pennsylvania in Charter Oak Insurance Company v. Maglio Fresh Food, No. 12-3967 (E.D. Penn. Sept. 9, 2014), the same can be said of a "cost of appellate bond" provision in a liability policy: Debating whether this "hybrid" term is part of the duty to defend or the duty to indemnify "is not easily nor necessarily answerable."  The underlying Maglio Fresh Food case involved ... Keep Reading »

If a Tree Falls on the Internet … An Insurer Has a Duty to Defend

September 5, 2014 by Christopher B. Freeman

Picture of a Fallen Tree

Legal bloggers sometimes ask themselves:  If my post appears on the Internet, but there’s no evidence anyone has read it, have I been published?  The question has not yet been finally resolved among law firm compensation committees, but, in the data privacy context, a federal court in Virginia recently offered an emphatic "yes."  In Travelers Indemnity Company of America v. Portal Healthcare Solutions, LLC, No. 1:13-cv-917(GBL) (E.D. Va. Aug. 7, 2014), the court found ... Keep Reading »

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