Calfee Insurance Coverage Attorney Tae Andrews Quoted in Law360 Insurance Authority Article on CGL Coverage Disputes

Mentioned and Quoted

Calfee Insurance Coverage Senior Counsel Tae Andrews was quoted in the July 31, 2025, Law360 Insurance Authority article, "CGL Cases To Watch In The Second Half Of 2025," which highlights several high-profile commercial general liability (CGL) insurance cases, including coverage disputes involving Meta Platforms, IBM, the Archdiocese of New York, and Red Roof Inn.  

In the coverage dispute between Hartford and Chubb units and Meta Platforms, Tae weighed in on the insurers' argument that municipalities in the underlying litigation do not allege "bodily injury" covered by Instagram's CGL policies. "There's no supposed requirement that the underlying plaintiffs must have personally suffered bodily injury to trigger the CGL coverage," Tae said. He added, "If the intent was only to insure against claims brought by individuals alleging bodily injury, there'd be no need to have some of these policy limits for hundreds of millions or even billions of dollars."  

Tae also commented on Liberty Mutual's denial of coverage for human trafficking suits brought against Red Roof Inn. He emphasized distinguishing between the alleged criminal acts and the policyholder's conduct. "While one never wants to discredit or downplay the severity of these alleged crimes, in terms of insurance law it's still important to pay attention to the specific actions alleged on the part of the policyholder," Tae explained. He noted that if courts deem claims under the Trafficking Victims Protection Reauthorization Act (TVPRA) uninsurable, it could have "monumental ramifications for freedom of contract and the ability of sophisticated parties to engage in risk management." 

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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