Oregon House Bill 3746, which became law on July 24, 2025 and became effective on January 1, 2026, operates to shorten the statute of repose for “a tort action by a homeowners association or association of unit owners arising from
Cozen O'Connor
Cozen O'Connor is a law firm that publishes detailed legal analyses and updates primarily focused on insurance law, subrogation, property damage, and related litigation issues. Their content often covers court decisions, regulatory clarifications, and practical guidance on insurance coverage disputes, claims handling, and risk management. The firm addresses topics such as insurance policy interpretation, liability in property and casualty claims, subrogation strategies, and compliance with insurance contract terms. Their publications serve legal professionals, insurers, and policyholders by providing insights into evolving case law and regulatory developments affecting insurance and property-related claims.
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Florida Federal Court Holds Insurer Did Not Timely File Interpleader Under Section 624.155(6)
As part of Florida’s March 2023 tort and insurance reforms, the Florida legislature introduced a safe harbor for carriers to avoid bad faith liability in claims involving multiple third party claimants. The provision appears in Fla. Stat. 624.155(6) and states…
OSHA Launches Safety Champions Program
As part of OSHA’s efforts to enhance compliance assistance, it launched its “Safety Champions Program” (SCP) effective February 24, 2026. SCP is a new program for employers to develop and implement an effective safety and health program. The SCP incorporates…
FDA Announces New Approval Pathway for Drugs Treating Ultra-Rare Diseases
On February 23, the FDA announced a new approval pathway designed to support the development of drugs for ultra-rare diseases. Often, treatments for ultra-rare diseases have difficulty meeting the agency’s rigorous approval requirements. The FDA has issued a guidance document…
When Your AI “Assistant” Isn’t Privileged: A Wake‑Up Call from U.S. v. Heppner
- A federal judge ruled that the attorney-client privilege and the work-product doctrine did not protect a criminal defendant’s artificial intelligence (AI)-generated documents from disclosure to the government.
- A client’s use of a public-facing generative AI to produce documents pertinent
…
Broader Auto Exclusion in Follow Form Excess Policy Controls Over Narrower Exclusion From General Liability Policy
Indiana Recognizes Interpleader as a Bad‑Faith Safe Harbor
The Indiana Supreme Court’s decision in Baldwin v. Standard Fire Ins. Co., 269 N.E.3d 1197 (Ind. 2025) provides clarity for insurers confronted with competing claims that exceed policy limits. In a matter of first impression, the Court held that declining…
The Tale of Two Torts: Inverse Condemnation and Negligence
When pursuing a subrogation claim for property damages against a public entity, the claimant carrier must evaluate its potential causes of action (i.e., theories of liability). Two common tort actions, with their differences often misunderstood, are inverse condemnation and negligence. …
FDA Outlines Flexible Requirements to Support Cell and Gene Therapy Innovation
The FDA recently shared information regarding its flexible approach to overseeing chemistry, manufacturing, and control (CMC) requirements for cell and gene therapies (CGT). Due to the unique nature of the characteristics of CGT, regulatory flexibility must be adapted in a…

