Calfee's Tae Andrews Quoted in Law360 Insurance Authority Article "'Public Policy' Exclusion Raises Red Flags For Insured Attys"

Mentioned and Quoted

Calfee Insurance Coverage Senior Counsel Tae Andrews was quoted in the December 4, 2025, Law360 Insurance Authority article, “‘Public Policy’ Exclusion Raises Red Flags For Insured Attys,” which covers oral arguments before the Pennsylvania Supreme Court in a coverage dispute involving insurers seeking to avoid defending a hotel accused of ignoring sex trafficking, by invoking an implicit “public policy” exclusion.

The article, written by Jennifer Mandato, quotes Calfee insurance attorney Tae Andrews, emphasizing that courts should not create judicially implied exclusions that insurers failed to include in their policies. Tae noted, “The court should not judicially create a public policy exception for [Trafficking Victims Protection Reauthorization Act] claims here because the insurers didn’t bargain for them.” He warned that such a precedent could allow insurers to invalidate coverage on extracontractual grounds, undermining the plain meaning of policy language.

Tae added that denying coverage based on undefined public policy concerns could harm victims, as insurance funds often provide critical compensation in trafficking cases. “Victims are going to suffer if defendants are deprived of insurance coverage they should otherwise have and be able to deploy to resolve all allegations against them,” he said.

Read the full Law360 Insurance Authority article.

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Calfee’s Policyholder Insurance Coverage practice group has helped its clients manage and protect nearly $2 billion in insurance assets in recent years. The team serves corporate insurance policyholder clients in Ohio and nationwide, helping to manage and minimize the risks, losses, and liabilities that pose threats to clients. Calfee’s Insurance Coverage attorneys provide advisory and claims services, assisting clients with the placement and enhancement of their insurance policies, reviews of their existing policies, shaping and pursuing claims to get losses paid by their insurance companies, negotiating resolutions to disputed insurance claims, litigating coverage lawsuits against their insurers, and finding solutions for insurance coverage issues in corporate M&A deals. The team has experience with a wide array of policy types, from newer products such as cyber and M&A representations and warranties insurance, to more traditional policy forms such as commercial general liability (CGL), umbrella, excess, property, D&O, professional liability, and EPL policies, to more specialized policies such as builder’s risk, liquor, and aviation. Calfee's Insurance practice is ranked by Chambers USA 2025 in Band 1 in Insurance: Policyholder Law in Ohio. 

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