
<head>
 <meta charset=»utf-8″/>
 <meta name=»viewport» content=»width=device-width, initial-scale=1, shrink-to-fit=no»/>
 <link rel=»preconnect» href=»https://fonts.googleapis.com»/>
 <link rel=»preconnect» href=»https://fonts.gstatic.com» crossorigin=»»/>
 <title>Insurer asks court to drop pipeline contractor’s defense | Insurance Business</title>
 <meta name=»description» content=»One date in the policy may decide who pays for eight pipeline lawsuits»/>

 <link rel=»icon» type=»image/png» sizes=»16×16″ href=»/favicon-16×16.png»/>
 <link rel=»icon» type=»image/png» sizes=»32×32″ href=»/favicon-32×32.png»/>
 <link rel=»apple-touch-icon» sizes=»180×180″ href=»/apple-touch-icon.png»/>
 <link rel=»manifest» href=»/manifest.webmanifest»/>
 <link rel=»stylesheet» href=»https://fonts.googleapis.com/css?family=Libre+Baskerville:400,700|Roboto:400,700&;display=swap»/>
 <link rel=»stylesheet» href=»https://use.fontawesome.com/releases/v5.15.1/css/all.css» integrity=»sha384-vp86vTRFVJgpjF9jiIGPEEqYqlDwgyBgEF109VFjmqGmIY/Y4HV4d3Gp2irVfcrp» crossorigin=»anonymous»/>
 <link href=»/css/site.min.css?v=316aYBX0BfqZ3KfekDnZ7J6cdCyuMiTNtCxGdB8-0n0″ rel=»stylesheet»/>


 
 <meta property=»article:tag» content=»metered»/>

 <link rel=»preload» as=»image» imagesrcset=»https://cdn-res.keymedia.com/cdn-cgi/image/w=640,h=384,f=auto/https://cdn-res.keymedia.com/cms/images/us/003/0356_639141217388478009.jpg 640w,&#10;&#9;&#9;&#9;https://cdn-res.keymedia.com/cdn-cgi/image/w=840,h=504,f=auto/https://cdn-res.keymedia.com/cms/images/us/003/0356_639141217388478009.jpg 840w,&#10;&#9;&#9;&#9;https://cdn-res.keymedia.com/cdn-cgi/image/w=1000,h=600,f=auto/https://cdn-res.keymedia.com/cms/images/us/003/0356_639141217388478009.jpg 1000w» imagesizes=»(max-width: 767px) calc(100vw – 40px), (max-width: 1199px) calc(100vw – 80px), 840px» href=»https://cdn-res.keymedia.com/cdn-cgi/image/w=840,h=504,f=auto/https://cdn-res.keymedia.com/cms/images/us/003/0356_639141217388478009.jpg»/>
 <meta property=»custom meta field» data-field=»published_time» content=»2026-05-11T13:33:38+00:00″/>
 <link rel=»canonical» href=»https://www.insurancebusinessmag.com/us/news/risk-compliance-legal/insurer-asks-court-to-drop-pipeline-contractors-defense-574772.aspx»/>
 <script type=»application/ld+json»><![CDATA[
 {»@context»:»https://schema.org»,»@type»:»NewsArticle»,»headline»:»Insurer asks court to drop pipeline contractor\u0027s defense»,»image»:»https://cdn-res.keymedia.com/cms/images/us/003/0356_639141217388478009.jpg»,»datePublished»:»2026-05-11T17:33:38Z»,»author»:{»@type»:»Person»,»name»:»Tez Romero»},»description»:»One date in the policy may decide who pays for eight pipeline lawsuits»,»dateModified»:»2026-05-11T17:33:38Z»,»publisher»:{»@type»:»Organization»,»name»:»Insurance Business»,»logo»:{»@type»:»ImageObject»,»url»:»https://www.insurancebusinessmag.com/images/IB_Logo_h60px.png»,»width»:140,»height»:60}},»mainEntityOfPage»:{»@type»:»WebPage»,»@id»:»https://www.insurancebusinessmag.com/us/news/risk-compliance-legal/insurer-asks-court-to-drop-pipeline-contractors-defense-574772.aspx»}}
 ]]></script>
 <meta property=»og:url» content=»https://www.insurancebusinessmag.com/us/news/risk-compliance-legal/insurer-asks-court-to-drop-pipeline-contractors-defense-574772.aspx»/>
 <meta property=»og:type» content=»article»/>
 <meta property=»og:title» content=»Insurer asks court to drop pipeline contractor’s defense»/>
 <meta property=»og:description» content=»One date in the policy may decide who pays for eight pipeline lawsuits»/>
 <meta property=»og:image» content=»https://cdn-res.keymedia.com/cms/images/us/003/0356_639141217388478009.jpg»/>
 <meta name=»twitter:card» content=»summary_large_image»/>
 <meta name=»twitter:title» content=»Insurer asks court to drop pipeline contractor’s defense»/>
 <meta name=»twitter:description» content=»One date in the policy may decide who pays for eight pipeline lawsuits»/>
 <meta name=»twitter:image» content=»https://cdn-res.keymedia.com/cms/images/us/003/0356_639141217388478009.jpg»/>
 <meta name=»twitter:site» content=»@InsuranceBizUS»/>
 <meta name=»keywords» content=»contractor, defense, pipeline»/>


 <!– Google Tag Manager –>
<script><![CDATA[
(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({’gtm.start’:
new Date().getTime(),event:’gtm.js’});var f=d.getElementsByTagName(s)[0],
j=d.createElement(s),dl=l!=’dataLayer’?’&l=’+l:»;j.async=true;j.src=
’https://www.googletagmanager.com/gtm.js?id=’+i+dl;f.parentNode.insertBefore(j,f);
})(window,document,’script’,’dataLayer’,’GTM-PVJZ6HP’);]]></script>
<!– End Google Tag Manager –>
 
 <script async=»async» src=»https://securepubads.g.doubleclick.net/tag/js/gpt.js»/>
 <script><![CDATA[
 var googletag = googletag || {};
 googletag.cmd = googletag.cmd || [];
 ]]></script>
 <script><![CDATA[
 googletag.cmd.push(function () {
 googletag.defineSlot(’/21873781324/insurance-business/ibaw/ros/ibaw_ros_wallpaper’, [’fluid’], ‘div-gpt-ad-1778532366579-wallpaper’).setTargeting(’ibaw_pos’, ‘WALL’).addService(googletag.pubads());
 googletag.defineOutOfPageSlot(’/21873781324/insurance-business/ibaw/ros/ibaw_ros_oop_catfish’, ‘div-gpt-ad-1778532366579-oop-catfish’).setTargeting(’ibaw_pos’, ‘CAT’).addService(googletag.pubads());
 googletag.defineSlot(’/21873781324/insurance-business/ibaw/ros/ibaw_ros_640×480_pre’, [640, 480], ‘div-gpt-ad-1778532366579-prestitial’).setTargeting(’ibaw_pos’, ‘PRE’).addService(googletag.pubads());
 });
 ]]></script>
 
 <script><![CDATA[
 googletag.cmd.push(function () { 
 var mapping_billboard = googletag.sizeMapping().addSize([1024, 0], [970, 250]).addSize([0, 0], [300, 250]).build();
 var mapping970x250 = googletag.sizeMapping().addSize([1024, 0], [970, 250]).addSize([0, 0], [300, 250]).build();
 var mapping300x600 = googletag.sizeMapping().addSize([1024, 0], [300, 600]).addSize([0, 0], [300, 250]).build();
 var mapping300x250 = googletag.sizeMapping().addSize([0, 0], [300, 250]).build();
 googletag.defineSlot(’/21873781324/insurance-business/ibaw/ros/ibaw_ros_970×250_lb_01’, [[970, 250], [300, 250]], ‘div-gpt-ad-1778532366579-1’).defineSizeMapping(mapping_billboard).setTargeting(’ibaw_pos’, ‘LB_01’).addService(googletag.pubads());
 googletag.defineSlot(’/21873781324/insurance-business/ibaw/ros/ibaw_ros_300×600_hp_01’, [[300, 600], [300, 250]], ‘div-gpt-ad-1778532366579-2’).defineSizeMapping(mapping300x600).setTargeting(’ibaw_pos’, ‘HP_01’).addService(googletag.pubads());
 googletag.defineSlot(’/21873781324/insurance-business/ibaw/ros/ibaw_ros_300×250_mrec_01’, [300, 250], ‘div-gpt-ad-1778532366579-3’).defineSizeMapping(mapping300x250).setTargeting(’ibaw_pos’, ‘MREC_01’).addService(googletag.pubads());
 googletag.defineSlot(’/21873781324/insurance-business/ibaw/ros/ibaw_ros_300×600_hp_02’, [[300, 600], [300, 250]], ‘div-gpt-ad-1778532366579-4’).defineSizeMapping(mapping300x600).setTargeting(’ibaw_pos’, ‘HP_02’).addService(googletag.pubads()); 

 googletag.defineSlot(’/21873781324/insurance-business/ibaw/ros/ibaw_ros_970×250_lb_02’, [[970, 250], [300, 250]], ‘div-gpt-ad-1778532366579-5’).defineSizeMapping(mapping970x250).setTargeting(’ibaw_pos’, ‘LB_02’).addService(googletag.pubads());
 
 googletag.defineSlot(’/21873781324/insurance-business/ibaw/ros/ibaw_ros_970×250_lb_03’, [[970, 250], [300, 250]], ‘div-gpt-ad-1778532366579-6’).defineSizeMapping(mapping970x250).setTargeting(’ibaw_pos’, ‘LB_03’).addService(googletag.pubads());
 googletag.defineSlot(’/21873781324/insurance-business/ibaw/ros/ibaw_ros_business-card’, [’fluid’], ‘div-gpt-ad-1778532366579-business-card’).setTargeting(’ibaw_pos’, ‘BC’).addService(googletag.pubads());
 googletag.pubads().setTargeting(’ibaw_cat’, ‘news_risk-compliance-legal’).setTargeting(’page_id’, ‘574772’);
 });
 ]]></script>

 <script><![CDATA[
 googletag.cmd.push(function () {
 googletag.pubads().collapseEmptyDivs();
 googletag.pubads().setCentering(true);
 googletag.pubads().addEventListener(’slotRenderEnded’, function (event) {
 var adUnitPath = event.slot.getAdUnitPath();

 if (adUnitPath == ‘/21873781324/insurance-business/ibaw/ros/ibaw_ros_640×480_pre’ && !event.isEmpty) {
 document.getElementsByTagName(»body»)[0].style.overflow = «hidden»;
 document.getElementById(’intromercial-handle’).style.display = ‘block’;
 setTimeout(dismissIntromercial.bind(null, false), 3e4);
 }
 else if (adUnitPath == ‘/21873781324/insurance-business/ibaw/ros/ibaw_ros_300×250_pos’ && !event.isEmpty) {
 document.getElementsByTagName(»body»)[0].style.overflow = «hidden»;
 document.getElementById(’intromercial-handle-mobile’).style.display = ‘block’;
 setTimeout(dismissIntromercial.bind(null, true), 3e4);
 }
 });
 if (location.pathname.split(’/’).filter(a => a).length == 1) {
 googletag.pubads().enableSingleRequest();
 }
 else {
 googletag.pubads().enableLazyLoad({
 fetchMarginPercent: 50,
 renderMarginPercent: 50,
 mobileScaling: 2.0,
 });
 googletag.pubads().addEventListener(’impressionViewable’, function (event) {
 let adUnitPath = event.slot.getAdUnitPath();
 if (adUnitPath != ‘/21873781324/insurance-business/ibaw/ros/ibaw_ros_640×480_pre’ &&
 adUnitPath != ‘/21873781324/insurance-business/ibaw/ros/ibaw_ros_300×250_pos’ &&
 adUnitPath != ‘/21873781324/insurance-business/ibaw/ros/ibaw_ros_oop_catfish’) {
 setTimeout(function () {
 googletag.pubads().refresh([event.slot]);
 }, 30 * 1000);
 }
 });
 }
 googletag.enableServices();
 });
 ]]></script>
 
 

<script type=»text/javascript»><![CDATA[!function(T,l,y){var S=T.location,k=»script»,D=»instrumentationKey»,C=»ingestionendpoint»,I=»disableExceptionTracking»,E=»ai.device.»,b=»toLowerCase»,w=»crossOrigin»,N=»POST»,e=»appInsightsSDK»,t=y.name||»appInsights»;(y.name||T[e])&&(T[e]=t);var n=T[t]||function(d){var g=!1,f=!1,m={initialize:!0,queue:[],sv:»5″,version:2,config:d};function v(e,t){var n={},a=»Browser»;return n[E+»id»]=a[b](),n[E+»type»]=a,n[»ai.operation.name»]=S&&S.pathname||»_unknown_»,n[»ai.internal.sdkVersion»]=»javascript:snippet_»+(m.sv||m.version),{time:function(){var e=new Date;function t(e){var t=»»+e;return 1===t.length&&(t=»0″+t),t}return e.getUTCFullYear()+»-«+t(1+e.getUTCMonth())+»-«+t(e.getUTCDate())+»T»+t(e.getUTCHours())+»:»+t(e.getUTCMinutes())+»:»+t(e.getUTCSeconds())+».»+((e.getUTCMilliseconds()/1e3).toFixed(3)+»»).slice(2,5)+»Z»}(),iKey:e,name:»Microsoft.ApplicationInsights.»+e.replace(/-/g,»»)+».»+t,sampleRate:100,tags:n,data:{baseData:{ver:2}}}}var h=d.url||y.src;if(h){function a(e){var t,n,a,i,r,o,s,c,u,p,l;g=!0,m.queue=[],f||(f=!0,t=h,s=function(){var e={},t=d.connectionString;if(t)for(var n=t.split(»;»),a=0;a<n.length;a++){var i=n[a].split(»=»);2===i.length&&(e[i[0][b]()]=i[1])}if(!e[C]){var r=e.endpointsuffix,o=r?e.location:null;e[C]=»https://»+(o?o+».»:»»)+»dc.»+(r||»services.visualstudio.com»)}return e}(),c=s[D]||d[D]||»»,u=s[C],p=u?u+»/v2/track»:d.endpointUrl,(l=[]).push((n=»SDK LOAD Failure: Failed to load Application Insights SDK script (See stack for details)»,a=t,i=p,(o=(r=v(c,»Exception»)).data).baseType=»ExceptionData»,o.baseData.exceptions=[{typeName:»SDKLoadFailed»,message:n.replace(/\./g,»-«),hasFullStack:!1,stack:n+»\nSnippet failed to load [»+a+»] — Telemetry is disabled\nHelp Link: https://go.microsoft.com/fwlink/?linkid=2128109\nHost: «+(S&&S.pathname||»_unknown_»)+»\nEndpoint: «+i,parsedStack:[]}],r)),l.push(function(e,t,n,a){var i=v(c,»Message»),r=i.data;r.baseType=»MessageData»;var o=r.baseData;return o.message=’AI (Internal): 99 message:»‘+(»SDK LOAD Failure: Failed to load Application Insights SDK script (See stack for details) (»+n+»)»).replace(/\»/g,»»)+'»‘,o.properties={endpoint:a},i}(0,0,t,p)),function(e,t){if(JSON){var n=T.fetch;if(n&&!y.useXhr)n(t,{method:N,body:JSON.stringify(e),mode:»cors»});else if(XMLHttpRequest){var a=new XMLHttpRequest;a.open(N,t),a.setRequestHeader(»Content-type»,»application/json»),a.send(JSON.stringify(e))}}}(l,p))}function i(e,t){f||setTimeout(function(){!t&&m.core||a()},500)}var e=function(){var n=l.createElement(k);n.src=h;var e=y[w];return!e&&»»!==e||»undefined»==n[w]||(n[w]=e),n.onload=i,n.onerror=a,n.onreadystatechange=function(e,t){»loaded»!==n.readyState&&»complete»!==n.readyState||i(0,t)},n}();y.ld<0?l.getElementsByTagName(»head»)[0].appendChild(e):setTimeout(function(){l.getElementsByTagName(k)[0].parentNode.appendChild(e)},y.ld||0)}try{m.cookie=l.cookie}catch(p){}function t(e){for(;e.length;)!function(t){m[t]=function(){var e=arguments;g||m.queue.push(function(){m[t].apply(m,e)})}}(e.pop())}var n=»track»,r=»TrackPage»,o=»TrackEvent»;t([n+»Event»,n+»PageView»,n+»Exception»,n+»Trace»,n+»DependencyData»,n+»Metric»,n+»PageViewPerformance»,»start»+r,»stop»+r,»start»+o,»stop»+o,»addTelemetryInitializer»,»setAuthenticatedUserContext»,»clearAuthenticatedUserContext»,»flush»]),m.SeverityLevel={Verbose:0,Information:1,Warning:2,Error:3,Critical:4};var s=(d.extensionConfig||{}).ApplicationInsightsAnalytics||{};if(!0!==d[I]&&!0!==s[I]){var c=»onerror»;t([»_»+c]);var u=T[c];T[c]=function(e,t,n,a,i){var r=u&&u(e,t,n,a,i);return!0!==r&&m[»_»+c]({message:e,url:t,lineNumber:n,columnNumber:a,error:i}),r},d.autoExceptionInstrumented=!0}return m}(y.cfg);function a(){y.onInit&&y.onInit(n)}(T[t]=n).queue&&0===n.queue.length?(n.queue.push(a),n.trackPageView({})):a()}(window,document,{

src: «https://js.monitor.azure.com/scripts/b/ai.2.min.js», // The SDK URL Source

crossOrigin: «anonymous»,

cfg: { // Application Insights Configuration

 connectionString: ‘InstrumentationKey=df30986d-3201-4e36-b9af-0e77873ecf59;IngestionEndpoint=https://eastus-8.in.applicationinsights.azure.com/;LiveEndpoint=https://eastus.livediagnostics.monitor.azure.com/’

}});]]></script></head>
<body class=»page» id=»WPAuto_Base_ReadabilityBody» WPAuto_Base_Readability=»50.479763832016″>
 <!– Google Tag Manager (noscript) –>
<noscript><iframe src=»https://www.googletagmanager.com/ns.html?id=GTM-PVJZ6HP» height=»0″ width=»0″ style=»display:none;visibility:hidden»/></noscript>
<!– End Google Tag Manager (noscript) –>
 
 <script><![CDATA[
 function whichTransitionEndEvent() {
 var a, b = document.createElement(»fakeelement»), c = {
 transition: «transitionend»,
 OTransition: «oTransitionEnd»,
 MozTransition: «transitionend»,
 WebkitTransition: «webkitTransitionEnd»
 };
 for (a in c)
 if (void 0 !== b.style[a])
 return c[a]
 }
 function dismissIntromercial(isMobile) {
 var a = document.getElementById(isMobile ? «intromercial-handle-mobile» : «intromercial-handle»)
 , b = whichTransitionEndEvent()
 , c = function () {
 a.removeEventListener(b, c),
 a.style.display = «none»,
 document.getElementsByTagName(»body»)[0].style.overflow = «auto»
 };
 a.addEventListener(b, c),
 a.style.opacity = 0,
 void 0 === b && setTimeout(c, 100);
 }
 ]]></script>
<section id=»intromercial-handle» class=»backdrop» onclick=»javascript:dismissIntromercial(false);» style=»display:none;»>
 <div class=»intromercial-container» WPAuto_Base_Readability=»6″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div WPAuto_Base_Readability=»7″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p>
 <script><![CDATA[
 googletag.cmd.push(function () { googletag.display(’div-gpt-ad-1778532366579-prestitial’); });
 ]]></script>
 </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div>
</section>
<section id=»intromercial-handle-mobile» class=»backdrop» onclick=»javascript:dismissIntromercial(true);» style=»display:none;»>
 <div class=»intromercial-container»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p/><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div>
</section>

 
 <p><script><![CDATA[googletag.cmd.push(function () { googletag.display(’div-gpt-ad-1778532366579-oop-catfish’); });]]></script></p>

 <div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>

 
 

 </p></div>
 <div WPAuto_Base_Readability=»5.4993204675183″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 
 </p><section class=»wallpaper-wrapper» WPAuto_Base_Readability=»2″>
 <p><script><![CDATA[googletag.cmd.push(function () { googletag.display(’div-gpt-ad-1778532366579-wallpaper’); });]]></script></p>
 </section><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>

 



</p><section class=»wrapper-fluid» WPAuto_Base_Readability=»1″>
 <div class=»ad-wrapper-billboard-v2″ WPAuto_Base_Readability=»7″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p><script><![CDATA[googletag.cmd.push(function () { googletag.display(’div-gpt-ad-1778532366579-1’); });]]></script></p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div>
</section><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>

 </p><script type=»application/ld+json»><![CDATA[
 {»@context»:»https://schema.org»,»@type»:»BreadcrumbList»,»itemListElement»:[{»@type»:»ListItem»,»position»:1,»name»:»Risk, Compliance \u0026 Legal»,»item»:»https://www.insurancebusinessmag.com/us/news/risk-compliance-legal/»},{»@type»:»ListItem»,»position»:2,»name»:»Insurer asks court to drop pipeline contractor\u0027s defense»,»item»:»https://www.insurancebusinessmag.com/us/news/risk-compliance-legal/insurer-asks-court-to-drop-pipeline-contractors-defense-574772.aspx»}]}
 ]]></script><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><section class=»wrapper wrapper–breadcrumb»>
 <nav aria-label=»breadcrumb»>
 <ol class=»breadcrumb»>
 <li class=»breadcrumb-item»>
 <a href=»/us/»>
 <i class=»fas fa-home»/>
 </a>
 </li>
 <li class=»breadcrumb-item»>
 <a href=»https://www.insurancebusinessmag.com/us/news/risk-compliance-legal/»>
 Risk, Compliance &; Legal
 </a>
 </li>
 <li class=»breadcrumb-item active»>
 Insurer asks court to drop pipeline contractor’s defense
 </li>
 </ol>
 </nav>
 </section><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>


</p><section class=»wrapper wrapper–detail-title»>
 <h1>Insurer asks court to drop pipeline contractor’s defense</h1>
</section><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>

</p><section class=»wrapper»>
 <div class=»article-detail»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article-detail__left»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article-detail__left__head»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h3>One date in the policy may decide who pays for eight pipeline lawsuits</h3><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article-detail__left__head__img»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><img sizes=»(max-width: 767px) calc(100vw – 40px), (max-width: 1199px) calc(100vw – 80px), 840px» srcset=»https://cdn-res.keymedia.com/cdn-cgi/image/w=640,h=384,f=auto/https://cdn-res.keymedia.com/cms/images/us/003/0356_639141217388478009.jpg 640w,&#10; https://cdn-res.keymedia.com/cdn-cgi/image/w=840,h=504,f=auto/https://cdn-res.keymedia.com/cms/images/us/003/0356_639141217388478009.jpg 840w,&#10; https://cdn-res.keymedia.com/cdn-cgi/image/w=1000,h=600,f=auto/https://cdn-res.keymedia.com/cms/images/us/003/0356_639141217388478009.jpg 1000w» src=»https://cdn-res.keymedia.com/cdn-cgi/image/w=840,h=504,f=auto/https://cdn-res.keymedia.com/cms/images/us/003/0356_639141217388478009.jpg» alt=»Insurer asks court to drop pipeline contractor’s defense» fetchpriority=»high»/><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article-detail__left__content» WPAuto_Base_Readability=»31.829298831386″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article-detail__left__content__writer»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h4>
 <a class=»tag» href=»/us/news/risk-compliance-legal/»>
 Risk, Compliance &; Legal
 </a>
 </h4><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p>
 By
 <a id=»author» class=»author» href=»/us/authors/tez-romero/»>Tez Romero</a>
 </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article-detail__left__content__writer__info»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><label class=»btn-align»>May 11, 2026</label><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><label class=»btn-align»>Share</label><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><!– ShareThis BEGIN –><p/><!– ShareThis END –><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>

 </p><div class=»wrapper wrapper–detail mb-30-30-20″ WPAuto_Base_Readability=»6.5″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper–detail__body» WPAuto_Base_Readability=»33″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p paraeid=»{8ab873d6-5cfa-4a16-8d1e-4f7490c4c75c}{94}» paraid=»343373479″>Fortegra Specialty Insurance is asking a federal judge to let it walk away from defending a contractor sued over a Pennsylvania pipeline leak. </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper wrapper–detail mb-30-30-20″ WPAuto_Base_Readability=»8.5″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper–detail__body» WPAuto_Base_Readability=»37″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 

</p><p paraeid=»{8ab873d6-5cfa-4a16-8d1e-4f7490c4c75c}{100}» paraid=»1175433880″>The carrier filed a declaratory judgment complaint on May 8, 2026 in the US District Court for the Eastern District of Kentucky against its insured, Natural Energy Field Services. Fortegra wants a ruling that it has no duty to defend or indemnify the firm in eight lawsuits tied to a leak on the Sunoco Twin Oaks Pipeline. </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper wrapper–detail mb-30-30-20″ WPAuto_Base_Readability=»8.5″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper–detail__body» WPAuto_Base_Readability=»37″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 

</p><p paraeid=»{8ab873d6-5cfa-4a16-8d1e-4f7490c4c75c}{106}» paraid=»1665353590″>The pipeline moves jet fuel from Delaware County, Pennsylvania to Newark, New Jersey, the complaint says. NEFS does not own it and has no control over how it runs. Energy Transfer hired the firm to monitor construction and repair work. </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper wrapper–detail mb-30-30-20″ WPAuto_Base_Readability=»10.5″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper–detail__body» WPAuto_Base_Readability=»41″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 

</p><p paraeid=»{8ab873d6-5cfa-4a16-8d1e-4f7490c4c75c}{112}» paraid=»655971925″>In January 2025, Energy Transfer brought NEFS in to look into complaints about a possible leak. The leak was confirmed on or about January 31, 2025 in Bucks County. Crews finished repairs on or about February 5, 2025, and the pipeline went back into service. NEFS kept monitoring repair work through 2025 but did no further work on the pipeline after October 3, 2025, the filing states. </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><section class=»ad-wrapper-970×250 mb-60″ WPAuto_Base_Readability=»2″>
 <p><script><![CDATA[googletag.cmd.push(function () { googletag.display(’div-gpt-ad-1778532366579-5’); });]]></script></p>
 </section><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper wrapper–detail mb-30-30-20″ WPAuto_Base_Readability=»11.5″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper–detail__body» WPAuto_Base_Readability=»43″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 

</p><p paraeid=»{8ab873d6-5cfa-4a16-8d1e-4f7490c4c75c}{118}» paraid=»303150055″>The lawsuits started in early 2026. Beginning on or about January 23, 2026, Bucks County residents named NEFS as one of several defendants in eight cases filed in Philadelphia courts and federal court. According to the complaint, the claimants allege the leak caused a catastrophic environmental disaster that polluted soil, water, and air and injured their homes and health. They say the fuel smell goes back to September 2023. The causes of action against NEFS include negligence, public and private nuisance, negligent infliction of emotional distress, and medical monitoring. </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper wrapper–detail mb-30-30-20″ WPAuto_Base_Readability=»10.5″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper–detail__body» WPAuto_Base_Readability=»41″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 

</p><p paraeid=»{8ab873d6-5cfa-4a16-8d1e-4f7490c4c75c}{124}» paraid=»1278173481″>The coverage fight is about dates. Fortegra issued Contractors Professional Liability Insurance Policy No. AXC1000926-00 to NEFS for the period December 19, 2025 to December 19, 2026. The limits are $2 million each claim and $2 million in the aggregate, inclusive of claim expenses, with a $15,000 deductible. The retroactive date – the earliest date a wrongful act can happen and still be covered – is December 19, 2025. </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper wrapper–detail mb-30-30-20″ WPAuto_Base_Readability=»8.5″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper–detail__body» WPAuto_Base_Readability=»37″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 

</p><p paraeid=»{8ab873d6-5cfa-4a16-8d1e-4f7490c4c75c}{130}» paraid=»1353661755″>The policy states: «This is a Claims-Made and Reported Policy. Except as otherwise provided in this Policy, the coverage afforded is limited to those Claims which are first made against the Insured and reported to the Insurer during the Policy Period or Extended Reporting Period, if applicable.» Each insuring agreement also requires the loss to arise from a wrongful act or pollution incident on or after the retroactive date. </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper wrapper–detail mb-30-30-20″ WPAuto_Base_Readability=»8″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper–detail__body» WPAuto_Base_Readability=»36″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 

</p><p paraeid=»{8ab873d6-5cfa-4a16-8d1e-4f7490c4c75c}{136}» paraid=»1842145889″>Fortegra says none of that fits. The leak was confirmed on or about January 31, 2025. NEFS stopped pipeline work on or about October 3, 2025. Both sit before December 19, 2025. </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><section class=»ad-wrapper-970×250 mb-60″ WPAuto_Base_Readability=»2″>
 <p><script><![CDATA[googletag.cmd.push(function () { googletag.display(’div-gpt-ad-1778532366579-6’); });]]></script></p>
 </section><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper wrapper–detail mb-30-30-20″ WPAuto_Base_Readability=»10″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper–detail__body» WPAuto_Base_Readability=»40″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 

</p><p paraeid=»{8ab873d6-5cfa-4a16-8d1e-4f7490c4c75c}{142}» paraid=»1766360395″>The complaint also leans on the policy’s «Multiple Wrongful Acts» condition, which treats two or more claims arising out of a single wrongful act, or a series of related wrongful acts, as a single claim – with the clock starting at the first one. Fortegra’s logic: all eight suits trace back to one leak, the leak and the alleged negligence happened before the retroactive date, so coverage never kicks in. </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper wrapper–detail mb-30-30-20″ WPAuto_Base_Readability=»11″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper–detail__body» WPAuto_Base_Readability=»42″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 

</p><p paraeid=»{8ab873d6-5cfa-4a16-8d1e-4f7490c4c75c}{148}» paraid=»506366568″>NEFS notified Fortegra of the litigation on or about February 3, 2026. On or about March 20, 2026, Fortegra advised the contractor that «[a]s the Pollution Incident and the alleged Wrongful Acts [that form the basis for the Underlying Lawsuits] predate the December 15, 2025 Retroactive Date, the Company reserves its right to limit or deny coverage for both Loss and Defense Costs pursuant to the Professional Liability, Contractors Pollution Liability, or Bodily Injury / Property Damage Insuring Agreements.» The insurer is defending under a reservation of rights while the coverage issue plays out. </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper wrapper–detail mb-30-30-20″ WPAuto_Base_Readability=»10.5″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper–detail__body» WPAuto_Base_Readability=»41″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 

</p><p paraeid=»{8ab873d6-5cfa-4a16-8d1e-4f7490c4c75c}{154}» paraid=»2055236206″>Fortegra also flags a second carve-out. The policy excludes the cost of complying with any injunctive, declaratory or administrative relief from the definition of loss. The underlying claimants are seeking, among other things, an injunction halting the pipeline, a full water supply, temporary housing, and a «best-in-class leak detection system.» Fortegra says none of that is covered loss either. </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper wrapper–detail mb-30-30-20″ WPAuto_Base_Readability=»6.5″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper–detail__body» WPAuto_Base_Readability=»33″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 

</p><p paraeid=»{8ab873d6-5cfa-4a16-8d1e-4f7490c4c75c}{160}» paraid=»729806355″>The allegations in the underlying lawsuits have not been tested in court. The coverage claims have not been ruled on. NEFS has not yet filed a response. </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper wrapper–detail mb-30-30-20″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper–detail__body»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 

</p><p paraeid=»{8ab873d6-5cfa-4a16-8d1e-4f7490c4c75c}{166}» paraid=»1103688598″>Â </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>

 </p><section class=»wrapper wrapper–detail wrapper–latest-news»>
 <h3 class=»font2-22 mb-3″>Related Stories</h3>
 <ul class=»related-story»>

 <li><a href=»https://www.insurancebusinessmag.com/us/news/risk-compliance-legal/qbe-sues-cash-advance-funder-to-block-166k-contractor-judgment-572911.aspx»>QBE sues cash advance funder to block $166k contractor judgment</a></li>
 <li><a href=»https://www.insurancebusinessmag.com/us/news/risk-compliance-legal/texas-contractor-sues-cgl-insurer-over-misread-date-seeks-treble-damages-565714.aspx»>Texas contractor sues CGL insurer over misread date, seeks treble damages</a></li>
 </ul>
 </section><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><section class=»wrapper wrapper–detail» WPAuto_Base_Readability=»2″>
 <p><script><![CDATA[googletag.cmd.push(function () { googletag.display(’div-gpt-ad-1778532366579-business-card’); });]]></script></p>
 </section><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article-detail__right»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article-list__side-menu__content»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article-list__side-menu__content__top» WPAuto_Base_Readability=»6.2941176470588″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»ad-wrapper-300×600″ WPAuto_Base_Readability=»7″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p><script><![CDATA[googletag.cmd.push(function () { googletag.display(’div-gpt-ad-1778532366579-2’); });]]></script></p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»top-down-list top-down-list–resource-detail mb-40-25-35″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h3 class=»top-down-list__title»>LATEST NEWS</h3><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»top-down-list__item top-down-list__item–flex top-down-list__item–no-line»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article__img»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><a href=»/us/news/risk-compliance-legal/travelers-sues-zurich-over-who-pays-in-gas-explosion-lawsuits-574774.aspx»>
 <img src=»https://cdn-res.keymedia.com/cdn-cgi/image/w=120,h=72,f=auto/https://cdn-res.keymedia.com/cms/images/us/003/0356_639141214971170975.jpg» alt=»Travelers sues Zurich over who pays in gas explosion lawsuits» loading=»lazy»/>
 </a><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article__passage «><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h6>
 <a class=»top-down-list__item–flex-subtitle» href=»https://www.insurancebusinessmag.com/us/news/risk-compliance-legal/»>RISK, COMPLIANCE &; LEGAL</a>
 </h6><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h3>
 <a class=»top-down-list__item–flex-title clamp clamp-3″ href=»/us/news/risk-compliance-legal/travelers-sues-zurich-over-who-pays-in-gas-explosion-lawsuits-574774.aspx»>Travelers sues Zurich over who pays in gas explosion lawsuits</a>
 </h3><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»top-down-list__item top-down-list__item–flex top-down-list__item–no-line»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article__img»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><a href=»/us/news/risk-compliance-legal/excess-insurer-sues-its-insured-after-late-notice-and-17-million-jury-verdict-574773.aspx»>
 <img src=»https://cdn-res.keymedia.com/cdn-cgi/image/w=120,h=72,f=auto/https://cdn-res.keymedia.com/cms/images/us/003/0356_639141216534506269.jpg» alt=»Excess insurer sues its insured after late notice and $17 million jury verdict» loading=»lazy»/>
 </a><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article__passage «><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h6>
 <a class=»top-down-list__item–flex-subtitle» href=»https://www.insurancebusinessmag.com/us/news/risk-compliance-legal/»>RISK, COMPLIANCE &; LEGAL</a>
 </h6><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h3>
 <a class=»top-down-list__item–flex-title clamp clamp-3″ href=»/us/news/risk-compliance-legal/excess-insurer-sues-its-insured-after-late-notice-and-17-million-jury-verdict-574773.aspx»>Excess insurer sues its insured after late notice and $17 million jury verdict</a>
 </h3><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»top-down-list__item top-down-list__item–flex top-down-list__item–no-line»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article__img»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><a href=»/us/news/risk-compliance-legal/insurer-asks-court-to-drop-pipeline-contractors-defense-574772.aspx»>
 <img src=»https://cdn-res.keymedia.com/cdn-cgi/image/w=120,h=72,f=auto/https://cdn-res.keymedia.com/cms/images/us/003/0356_639141217388478009.jpg» alt=»Insurer asks court to drop pipeline contractor’s defense» loading=»lazy»/>
 </a><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article__passage «><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h6>
 <a class=»top-down-list__item–flex-subtitle» href=»https://www.insurancebusinessmag.com/us/news/risk-compliance-legal/»>RISK, COMPLIANCE &; LEGAL</a>
 </h6><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h3>
 <a class=»top-down-list__item–flex-title clamp clamp-3″ href=»/us/news/risk-compliance-legal/insurer-asks-court-to-drop-pipeline-contractors-defense-574772.aspx»>Insurer asks court to drop pipeline contractor’s defense</a>
 </h3><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»top-down-list__item top-down-list__item–flex top-down-list__item–no-line»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article__img»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><a href=»/us/news/cyber/google-warns-for-the-first-time-hackers-used-ai-to-find-and-exploit-a-security-flaw-574758.aspx»>
 <img src=»https://cdn-res.keymedia.com/cdn-cgi/image/w=120,h=72,f=auto/https://cdn-res.keymedia.com/cms/images/us/003/0356_639141133392081993.jpg» alt=»Google warns: for the first time, hackers used AI to find and exploit a security flaw» loading=»lazy»/>
 </a><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article__passage «><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h6>
 <a class=»top-down-list__item–flex-subtitle» href=»https://www.insurancebusinessmag.com/us/news/cyber/»>CYBER</a>
 </h6><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h3>
 <a class=»top-down-list__item–flex-title clamp clamp-3″ href=»/us/news/cyber/google-warns-for-the-first-time-hackers-used-ai-to-find-and-exploit-a-security-flaw-574758.aspx»>Google warns: for the first time, hackers used AI to find and exploit a security flaw</a>
 </h3><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»top-down-list__item top-down-list__item–flex top-down-list__item–no-line»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article__img»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><a href=»/us/news/breaking-news/why-the-famously-friendly-humans-are-heading-west-574749.aspx»>
 <img src=»https://cdn-res.keymedia.com/cdn-cgi/image/w=120,h=72,f=auto/https://cdn-res.keymedia.com/cms/images/us/003/0356_639141105335481345.jpg» alt=»Why the famously friendly humans are heading west» loading=»lazy»/>
 </a><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article__passage «><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h6>
 <a class=»top-down-list__item–flex-subtitle» href=»https://www.insurancebusinessmag.com/us/news/breaking-news/»>INSURANCE NEWS</a>
 </h6><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h3>
 <a class=»top-down-list__item–flex-title clamp clamp-3″ href=»/us/news/breaking-news/why-the-famously-friendly-humans-are-heading-west-574749.aspx»>Why the famously friendly humans are heading west</a>
 </h3><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
</p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article-list__side-menu__content__bottom» WPAuto_Base_Readability=»32″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»ad-wrapper-300×250″ WPAuto_Base_Readability=»7″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p><script><![CDATA[googletag.cmd.push(function () { googletag.display(’div-gpt-ad-1778532366579-3’); });]]></script></p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»ad-wrapper-300×600″ WPAuto_Base_Readability=»7″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p><script><![CDATA[googletag.cmd.push(function () { googletag.display(’div-gpt-ad-1778532366579-4’); });]]></script></p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div>
</section><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>

</p><section class=»wrapper-fluid wrapper-fluid–subscribe»>
 <section class=»wrapper»>
 <div class=»home-subscribe»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»home-subscribe__content»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h3>Keep up with the latest news and events</h3><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h4>Join our mailing list, it's free!</h4><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><form id=»frmSubscribe» method=»get»>
 <p>
 <input id=»txtSubscribe» class=»input-subscribe» type=»email»/><input id=»btnSubscribe» class=»btn-subscribe js-subscribe» type=»button» value=»Subscribe»/>
 </p>
 </form><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»home-subscribe__img»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><img src=»/images/mail.png»/><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div>
 </section>
</section><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
</p><script src=»https://code.jquery.com/jquery-3.3.1.min.js»/><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
</p><script src=»/lib/jquery-validation/dist/jquery.validate.min.js»/><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
</p><script src=»/lib/jquery-validation-unobtrusive/jquery.validate.unobtrusive.min.js»/><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
</p><script><![CDATA[
 // extend jquery range validator to work for required checkboxes
 var defaultRangeValidator = $.validator.methods.range;
 $.validator.methods.range = function (value, element, param) {
 if (element.type === ‘checkbox’) {
 // if it’s a checkbox return true if it is checked
 return element.checked;
 } else {
 // otherwise run the default validation function
 return defaultRangeValidator.call(this, value, element, param);
 }
 }
]]></script><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
</p><script type=»text/javascript»><![CDATA[

 let form = $(»#frmSubscribe»);
 form.validate({
 rules: {
 email: {
 email: true
 },
 },
 messages: {
 email: «Please enter a valid email address»,
 },
 errorPlacement: function (error, element) {
 error.insertAfter(»#divBtnGroup»);
 }
 });

 let btnSubscribe = document.getElementsByClassName(»js-subscribe»)[0];
 btnSubscribe.addEventListener(»click», function (event) {
 if (form.valid()) {
 let email = document.getElementById(»txtSubscribe»).value;
 location.href = «/us/newsletter/?email=» + encodeURI(email);
 }
 });
]]></script><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>






 </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><!–
 <div id=»custom_modal_contact_us» class=»custom-modal»>
 <div class=»custom-modal-content»>
 <div class=»subscription__card subscription__card–right»>
 <div class=»subscription__card__body»>
 <h2 class=»subscription__card__title»>
 IB+ Data Hub
 </h2>
 <h3 class=»subscription__card__subtitle»>
 The Ultimate Data Intelligence Platform for Insurance Professionals
 </h3>
 <p class=»subscription__card__description»>
 Unlock powerful dashboards and industry insights with IB+ Data Hub&mdash;your essential subscription for data-driven decision-making.
 </p>
 </div>
 <div class=»subscription__card__footer subscription__card__footer–center custom-modal-content-footer–center «>
 <a class=»subscription__button subscription__button–right» target=»_blank» href=»https://share.hsforms.com/1KcTZ4JHpQHuyBwubOFZI3Qcys6f?__hstc=226989634.d3aa988593c7d2214744435347143d26.1726773514384.1755700362051.1755724915579.415&__hssc=226989634.7.1755724915579&__hsfp=3474073941″>
 Register for free access
 </a>

 <span>
 Already an IB+ Data Hub Subscriber? <a class=»custom-modal-content-footer__login-link login_btn» href=»javascript:void(0);»>Login here</a>
 </span>
 </div>
 </div>
 </div>
 </div>
 –><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div>

 <script><![CDATA[
 window.jsGlobalConfig = {
 insurrDefaultSearchType: ‘Coverage’
 }
 ]]></script>

 <script src=»https://code.jquery.com/jquery-3.3.1.min.js»/>
 <script src=»https://cdnjs.cloudflare.com/ajax/libs/underscore.js/1.9.1/underscore-min.js»/>
 <script src=»//cdnjs.cloudflare.com/ajax/libs/js-cookie/2.2.0/js.cookie.min.js»/>
 <script src=»/js/site.min.js?v=hg9qisgmhB2nNrFYpuEENzntC9IR61scBa7UqvjSJn4″/>
 
 
 <script type=»text/javascript» src=»https://platform-api.sharethis.com/js/sharethis.js#property=64ac5b86bb86750019de58da&;product=inline-share-buttons» async=»async»/>


 
 <script><![CDATA[
 function requestPostitialOnScroll() {
 var currentPosition = window.pageYOffset;
 var browserHeight = document.documentElement.clientHeight;
 if (currentPosition > browserHeight) {
 googletag.cmd.push(function () {
 googletag.defineSlot(’/21873781324/insurance-business/ibaw/ros/ibaw_ros_300×250_pos’, [300, 250], ‘div-gpt-ad-1778532366579-postitial’).setTargeting(’ibaw_pos’, ‘POS’).addService(googletag.pubads());
 googletag.display(’div-gpt-ad-1778532366579-postitial’);
 });

 window.removeEventListener(’scroll’, requestPostitialOnScroll);
 }
 }

 window.addEventListener(’scroll’, requestPostitialOnScroll);
 ]]></script>

 <script src=»https://cdn.jsdelivr.net/npm/algoliasearch@4.23.3/dist/algoliasearch-lite.umd.js» integrity=»sha256-1QNshz86RqXe/qsCBldsUu13eAX6n/O98uubKQs87UI=» crossorigin=»anonymous»/>
 <script src=»https://cdn.jsdelivr.net/npm/instantsearch.js@4.68.0/dist/instantsearch.production.min.js» integrity=»sha256-pk7I7Xu6RA1qVbVU7Haw3ULL8nd5CXM5ith59df0/7I=» crossorigin=»anonymous»/>
 <div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div id=»search_overlay»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p/><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div id=»search_container»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div id=»search_modal»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p/><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div id=»search_content»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div id=»search_panel»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p/><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p/><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p/><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p/><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p/><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div>
 <script type=»text/javascript»><![CDATA[
 (function () {
 const searchClient = algoliasearch(’G2EY7Y6809’, ‘d94bfd076b2b98e0c2154b72702ee66d’);

 var currentRegion = ‘us’;
 var searchCount = 0;


 var useRegions = true;

 var regions = [
 { label: ‘All’, value: », count: 0, isRefined: false, exhaustive: true, data: null },

 { label: ‘United Kingdom’, value: ‘uk’, count: 0, isRefined: false, exhaustive: true, data: null },



 { label: ‘United States’, value: ‘us’, count: 0, isRefined: false, exhaustive: true, data: null },



 { label: ‘Canada’, value: ‘ca’, count: 0, isRefined: false, exhaustive: true, data: null },



 { label: ‘Australia’, value: ‘au’, count: 0, isRefined: false, exhaustive: true, data: null },



 { label: ‘New Zealand’, value: ‘nz’, count: 0, isRefined: false, exhaustive: true, data: null },



 { label: ‘Asia’, value: ‘asia’, count: 0, isRefined: false, exhaustive: true, data: null },



 { label: ‘Reinsurance’, value: ‘reinsurance’, count: 0, isRefined: false, exhaustive: true, data: null },


 ];

 const search = instantsearch({
 indexName: ‘relevance’,
 searchFunction: function (helper) {
 if (helper.state.query === » && searchCount == 0) {
 return;
 }

 document.getElementsByClassName(’ais-SearchBox-input’)[0].style.borderBottomLeftRadius = 0;
 document.getElementsByClassName(’ais-SearchBox-input’)[0].style.borderBottomRightRadius = 0;
 document.getElementById(’search_content’).style.display = ‘contents’;

 if (window.innerWidth < 768) {
 document.getElementById(’search_modal’).style.height = ‘100%’;
 }

 if (useRegions)
 {
 if (helper.state.hierarchicalFacetsRefinements.region.length > 0) {
 if (helper.state.hierarchicalFacetsRefinements.region[0] === undefined) {
 helper.state.hierarchicalFacetsRefinements.region.pop();
 }

 currentRegion = helper.state.hierarchicalFacetsRefinements.region[0];
 } else {
 currentRegion = »;
 }
 }

 searchCount++;
 helper.search();

 var searchResults = document.getElementsByClassName(’ais-Hits’);

 if (searchResults.length > 0)
 document.getElementsByClassName(’ais-Hits’)[0].scrollTop = 0;
 },
 searchClient
 });

 function debounce(func, wait) {
 let timeout;
 return function (...args) {
 clearTimeout(timeout);
 timeout = setTimeout(() => func.apply(this, args), wait);
 };
 }

 search.addWidgets([
 instantsearch.widgets.searchBox({
 container: ‘#search_box’,
 placeholder: ‘Search’,
 showSubmit: true,
 showReset: true,
 autofocus: false,
 queryHook: debounce(function (query, search) {
 search(query);
 }, 250)
 }),
 instantsearch.widgets.hitsPerPage({
 container: ‘#search_per_page’,
 items: [
 { label: ’15’, value: 15, default: true },
 { label: ’25’, value: 25 },
 { label: ’50’, value: 50 },
 { label: ‘100’, value: 100 }
 ]
 }),
 instantsearch.widgets.stats({
 container: ‘#search_stats’,
 templates: {
 text(data, { html }) {
 return html`
 ${data.nbHits.toLocaleString()} results for «<strong>${data.query}»
 `;
 }
 }
 }),
 instantsearch.widgets.hits({
 container: ‘#search_results’,
 templates: {
 item(data, { html }) {
 return html`
 <h3>
 <a href=»${data.url}»>${data.title}
 
 <a href=»${data.url}»>${data.url}
 <p>${data.summary}
 `;
 },
 empty(data, { html }) {
 return html`
 <h1>No results
 <p>No matches were found for «<strong>${data.query}»
 `;
 }
 }
 }),
 instantsearch.widgets.pagination({
 container: ‘#search_pagination’,
 }),
 instantsearch.widgets.sortBy({
 container: ‘#search_sort’,
 items: [
 { value: ‘relevance’, label: ‘Relevance’ },
 { value: ‘date_desc’, label: ‘Latest’ }
 ]
 }),
 {
 init: function (options) {
 if (useRegions) {
 options.helper.state.hierarchicalFacetsRefinements.region.push(currentRegion);
 }
 }
 }
 ]);

 if (useRegions) {
 search.addWidgets([
 instantsearch.widgets.menu({
 container: ‘#search_region’,
 attribute: ‘region’,
 transformItems(items) {
 const selectedItem = items.find(item => item.isRefined);
 regions.forEach(item => {
 item.isRefined = false;
 });

 if (selectedItem) {
 regions.find(item => item.value === selectedItem.value).isRefined = true;
 } else {
 regions.find(item => item.value === currentRegion).isRefined = true;
 }

 return regions;
 },
 templates: {
 item(data, { html }) {
 return html`
 <a class=»${data.cssClasses.link}» href=»${data.url}»>
 <span class=»${data.cssClasses.label}»>${data.label}
 
 `;
 }
 }
 })
 ]);
 }

 search.start();

 // Shows and Hides search overlay
 var searchButton = document.getElementsByClassName(’algolia-search__btn’);

 if (searchButton.length > 0) {
 var container = document.getElementById(’search_container’);
 var overlay = document.getElementById(’search_overlay’);

 Array.from(searchButton).forEach(function (button) {
 button.addEventListener(’click’, function (event) {
 event.preventDefault();
 container.style.display = ‘block’;
 overlay.style.display = ‘block’;
 document.body.style.overflow = ‘hidden’;
 document.getElementsByClassName(’ais-SearchBox-input’)[0].focus();
 });
 });

 document.addEventListener(’keydown’, function (event) {
 if (event.key === ‘Escape’ && container.style.display === ‘block’) {
 document.getElementsByClassName(’ais-SearchBox-reset’)[0].click();
 }
 });

 container.addEventListener(’click’, function (event) {
 if (this === event.target) {
 document.getElementsByClassName(’ais-SearchBox-reset’)[0].click();
 }
 });

 document.getElementsByClassName(’ais-SearchBox-reset’)[0].addEventListener(’click’, function (event) {
 container.style.display = ‘none’;
 overlay.style.display = ‘none’;
 document.body.style.overflow = ‘auto’;
 document.getElementById(’search_content’).style.display = ‘none’;
 document.getElementById(’search_modal’).style.height = ‘auto’;
 document.getElementsByClassName(’ais-SearchBox-input’)[0].style.borderBottomLeftRadius = ’10px’;
 document.getElementsByClassName(’ais-SearchBox-input’)[0].style.borderBottomRightRadius = ’10px’;
 searchCount = 0;
 });

 window.addEventListener(’resize’, function (event) {
 if (window.innerWidth < 768 && search.helper.state.query != ») {
 document.getElementById(’search_modal’).style.height = ‘100%’;
 } else {
 document.getElementById(’search_modal’).style.height = ‘auto’;
 }
 });
 }

 var styleLink = document.createElement(’link’);
 styleLink.setAttribute(’rel’, ‘stylesheet’);
 styleLink.setAttribute(’href’, ‘https://cdn.jsdelivr.net/npm/instantsearch.css@8.1.0/themes/satellite-min.css’);
 styleLink.setAttribute(’integrity’, ‘sha256-p/rGN4RGy6EDumyxF9t7LKxWGg6/MZfGhJM/asKkqvA=’);
 styleLink.setAttribute(’crossorigin’, ‘anonymous’);

 document.head.appendChild(styleLink);
 })();
 ]]></script>
 


 <script type=»text/javascript»><![CDATA[
 (function (d, s, id) {
 var js, tjs = d.getElementsByTagName(s)[0];
 if (d.getElementById(id)) return;
 js = d.createElement(s); js.id = id;
 js.src = «https://app.termly.io/embed-policy.min.js»;
 tjs.parentNode.insertBefore(js, tjs);
 }(document, ‘script’, ‘termly-jssdk’));]]></script>

 <script type=»text/javascript» src=»https://app.termly.io/resource-blocker/571d5703-8dbd-4f95-bcdb-8b3b77265f3f?autoBlock=on»/>

 <script><![CDATA[
 var Pelcro = window.Pelcro || (window.Pelcro = {});
 Pelcro.siteid = 5399;
 Pelcro.environment = {};
 Pelcro.environment.stripe = «pk_live_Wdef2LjEQXsgFWult6IVFobB»
 Pelcro.environment.domain = «https://www.pelcro.com»;
 Pelcro.environment.ui = «https://js.pelcro.com/ui/plugin/membership/v1/main.min.js»
 Pelcro.uiSettings = {skipPaymentForFreePlans: true}
 ]]></script>
 <script src=»//js.pelcro.com/sdk/main.min.js» type=»text/javascript»/>

 <script><![CDATA[
 function displayContactUs(value = true) {
 const modal_container = document.getElementById(»custom_modal_contact_us»);
 if (!modal_container) return;

 modal_container.style.display = value ? «block» : «none»;

 if (value) {
 document.body.classList.add(»custom-modal-open»);
 } else {
 document.body.classList.remove(»custom-modal-open»);
 }
 }

 function displayButton(button, value=true) {
 if(value) {
 button.classList.remove(»login-logout-btn–hidden»)
 } else {
 button.classList.add(»login-logout-btn–hidden»)
 }
 }

 function displayAccountButtons(value = true) {
 const my_account_btn = document.querySelectorAll(».my_account_btn»);
 const login_btn = document.querySelectorAll(».login_btn»);
 const logout_btn = document.querySelectorAll(».logout_btn»);

 my_account_btn.forEach((btn) => {
 displayButton(btn, value);
 });
 logout_btn.forEach((btn) => {
 displayButton(btn, value);
 });
 login_btn.forEach((btn) => {
 displayButton(btn, !value);
 });
 }

 // function checkUserAccessToDataHub(has_data_hub) {
 // if (!has_data_hub) return;

 // try {
 // if (!Pelcro.user.isAuthenticated()) {
 // displayContactUs(true);
 // return;
 // }

 // const hasEntitlement = Pelcro.user.isEntitledTo(»data-hub»);
 // if (!hasEntitlement) {
 // displayContactUs(true);
 // return;
 // }

 // const user = Pelcro.user.read();

 // const hasValidSubscription = (user?.subscriptions ?? []).some(sub =>
 // (sub.status === «active» || sub.status === «trialing») &&
 // sub.plan?.product?.entitlements?.includes(»data-hub»)
 // );

 // const hasValidMembership = (user?.memberships ?? []).some(membership =>
 // membership.status === «active» &&
 // (membership.subscription?.status === «active» || membership.subscription?.status === «trialing») &&
 // membership.subscription?.plan?.product?.entitlements?.includes(»data-hub»)
 // );

 // const isValidAccess = hasValidSubscription || hasValidMembership;

 // displayContactUs(!isValidAccess);
 // } catch (error) {
 // console.error(»Error checking data hub access:», error);
 // displayContactUs(true);
 // }
 // }

 document.addEventListener(»PelcroSiteLoaded», function() {
 try {
 const my_account_btn = document.querySelectorAll(».my_account_btn»);
 const login_btn = document.querySelectorAll(».login_btn»);
 const logout_btn = document.querySelectorAll(».logout_btn»);

 const page_tags = Pelcro.helpers.getOgArticleTags();
 //const has_data_hub = page_tags && page_tags.includes(»data-hub»);
 //const user_isAuthenticated = Pelcro.user.isAuthenticated();

 // if (has_data_hub) {
 // if (!user_isAuthenticated){
 // displayContactUs(true);
 // }
 // else {
 // displayContactUs(false);
 // }
 // }

 my_account_btn.forEach((btn) => {
 btn.addEventListener(’click’, function () {
 const pelcro_my_account_button = document.querySelector(’.pelcro-dashboard-button’);
 if (pelcro_my_account_button) {
 pelcro_my_account_button.click();
 }
 });
 });

 login_btn.forEach((btn) => {
 btn.addEventListener(’click’, function () {
 const pelcro_login_button = document.querySelector(’.pelcro-login-button’);
 if (pelcro_login_button) {
 pelcro_login_button.click();
 }
 });
 });

 logout_btn.forEach((btn) => {
 btn.addEventListener(’click’, function () {
 Pelcro.user.logout();
 const pelcro_login_button = document.querySelector(’.pelcro-login-button’);
 if (pelcro_login_button) {
 pelcro_login_button.click();
 }
 });
 });

 document.addEventListener(’PelcroUserLogout’, function() {
 displayAccountButtons(false);
 // if (has_data_hub) {
 // displayContactUs(true);
 // }
 });

 document.addEventListener(’PelcroUserLoggedIn’, function() {
 displayAccountButtons();
 //checkUserAccessToDataHub(has_data_hub);
 });

 document.addEventListener(’PelcroUserLoaded’, function() {
 displayAccountButtons();
 //checkUserAccessToDataHub(has_data_hub);
 });
 } catch (error) {
 console.error(»Error in Pelcro site initialization:», error);
 }
 });

 function observePelcroApp(callback) {
 const observer = new MutationObserver((mutations, obs) => {
 if (document.getElementById(»pelcro-app»)) {
 obs.disconnect();
 callback();
 }
 });

 observer.observe(document.body, { childList: true, subtree: true });
 }

 observePelcroApp(() => {
 try {
 const buttons = document.getElementsByClassName(»subscribe-btn»);
 Array.from(buttons).forEach(button => {
 button.classList.remove(»subscribe-btn»);
 const spinner = button.querySelector(».spinner»);
 if (spinner) spinner.remove();
 });
 } catch (error) {
 console.error(»Error processing Pelcro app:», error);
 }
 });
 ]]></script>

 
 

 
<script><![CDATA[(function(){function c(){var b=a.contentDocument||a.contentWindow.document;if(b){var d=b.createElement(’script’);d.innerHTML=»window.__CF$cv$params={r:’9fa407fa9e6d8e3f’,t:’MTc3ODUzMjM2Ng==’};var a=document.createElement(’script’);a.src=’/cdn-cgi/challenge-platform/scripts/jsd/main.js’;document.getElementsByTagName(’head’)[0].appendChild(a);»;b.getElementsByTagName(’head’)[0].appendChild(d)}}if(document.body){var a=document.createElement(’iframe’);a.height=1;a.width=1;a.style.position=’absolute’;a.style.top=0;a.style.left=0;a.style.border=’none’;a.style.visibility=’hidden’;document.body.appendChild(a);if(’loading’!==document.readyState)c();else if(window.addEventListener)document.addEventListener(’DOMContentLoaded’,c);else{var e=document.onreadystatechange||function(){};document.onreadystatechange=function(b){e(b);’loading’!==document.readyState&&(document.onreadystatechange=e,c())}}}})();]]></script></body>


src: «https://js.monitor.azure.com/scripts/b/ai.2.min.js», // The SDK URL Source

crossOrigin: «anonymous»,

cfg: { // Application Insights Configuration

 connectionString: ‘InstrumentationKey=df30986d-3201-4e36-b9af-0e77873ecf59;IngestionEndpoint=https://eastus-8.in.applicationinsights.azure.com/;LiveEndpoint=https://eastus.livediagnostics.monitor.azure.com/’

}});]]></script></head>
<body class=»page» id=»WPAuto_Base_ReadabilityBody» WPAuto_Base_Readability=»50.479763832016″>
 <!– Google Tag Manager (noscript) –>
<noscript><iframe src=»https://www.googletagmanager.com/ns.html?id=GTM-PVJZ6HP» height=»0″ width=»0″ style=»display:none;visibility:hidden»/></noscript>
<!– End Google Tag Manager (noscript) –>
 
 <script><![CDATA[
 function whichTransitionEndEvent() {
 var a, b = document.createElement(»fakeelement»), c = {
 transition: «transitionend»,
 OTransition: «oTransitionEnd»,
 MozTransition: «transitionend»,
 WebkitTransition: «webkitTransitionEnd»
 };
 for (a in c)
 if (void 0 !== b.style[a])
 return c[a]
 }
 function dismissIntromercial(isMobile) {
 var a = document.getElementById(isMobile ? «intromercial-handle-mobile» : «intromercial-handle»)
 , b = whichTransitionEndEvent()
 , c = function () {
 a.removeEventListener(b, c),
 a.style.display = «none»,
 document.getElementsByTagName(»body»)[0].style.overflow = «auto»
 };
 a.addEventListener(b, c),
 a.style.opacity = 0,
 void 0 === b && setTimeout(c, 100);
 }
 ]]></script>
<section id=»intromercial-handle» class=»backdrop» onclick=»javascript:dismissIntromercial(false);» style=»display:none;»>
 <div class=»intromercial-container» WPAuto_Base_Readability=»6″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div WPAuto_Base_Readability=»7″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p>
 <script><![CDATA[
 googletag.cmd.push(function () { googletag.display(’div-gpt-ad-1778532366579-prestitial’); });
 ]]></script>
 </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div>
</section>
<section id=»intromercial-handle-mobile» class=»backdrop» onclick=»javascript:dismissIntromercial(true);» style=»display:none;»>
 <div class=»intromercial-container»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p/><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div>
</section>

 
 <p><script><![CDATA[googletag.cmd.push(function () { googletag.display(’div-gpt-ad-1778532366579-oop-catfish’); });]]></script></p>

 <div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>

 
 

 </p></div>
 <div WPAuto_Base_Readability=»5.4993204675183″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 
 </p><section class=»wallpaper-wrapper» WPAuto_Base_Readability=»2″>
 <p><script><![CDATA[googletag.cmd.push(function () { googletag.display(’div-gpt-ad-1778532366579-wallpaper’); });]]></script></p>
 </section><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>

 



</p><section class=»wrapper-fluid» WPAuto_Base_Readability=»1″>
 <div class=»ad-wrapper-billboard-v2″ WPAuto_Base_Readability=»7″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p><script><![CDATA[googletag.cmd.push(function () { googletag.display(’div-gpt-ad-1778532366579-1’); });]]></script></p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div>
</section><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>

 </p><script type=»application/ld+json»><![CDATA[
 {»@context»:»https://schema.org»,»@type»:»BreadcrumbList»,»itemListElement»:[{»@type»:»ListItem»,»position»:1,»name»:»Risk, Compliance \u0026 Legal»,»item»:»https://www.insurancebusinessmag.com/us/news/risk-compliance-legal/»},{»@type»:»ListItem»,»position»:2,»name»:»Insurer asks court to drop pipeline contractor\u0027s defense»,»item»:»https://www.insurancebusinessmag.com/us/news/risk-compliance-legal/insurer-asks-court-to-drop-pipeline-contractors-defense-574772.aspx»}]}
 ]]></script><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><section class=»wrapper wrapper–breadcrumb»>
 <nav aria-label=»breadcrumb»>
 <ol class=»breadcrumb»>
 <li class=»breadcrumb-item»>
 <a href=»/us/»>
 <i class=»fas fa-home»/>
 </a>
 </li>
 <li class=»breadcrumb-item»>
 <a href=»https://www.insurancebusinessmag.com/us/news/risk-compliance-legal/»>
 Risk, Compliance &; Legal
 </a>
 </li>
 <li class=»breadcrumb-item active»>
 Insurer asks court to drop pipeline contractor’s defense
 </li>
 </ol>
 </nav>
 </section><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>


</p><section class=»wrapper wrapper–detail-title»>
 <h1>Insurer asks court to drop pipeline contractor’s defense</h1>
</section><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>

</p><section class=»wrapper»>
 <div class=»article-detail»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article-detail__left»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article-detail__left__head»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h3>One date in the policy may decide who pays for eight pipeline lawsuits</h3><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article-detail__left__head__img»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><img sizes=»(max-width: 767px) calc(100vw – 40px), (max-width: 1199px) calc(100vw – 80px), 840px» srcset=»https://cdn-res.keymedia.com/cdn-cgi/image/w=640,h=384,f=auto/https://cdn-res.keymedia.com/cms/images/us/003/0356_639141217388478009.jpg 640w,&#10; https://cdn-res.keymedia.com/cdn-cgi/image/w=840,h=504,f=auto/https://cdn-res.keymedia.com/cms/images/us/003/0356_639141217388478009.jpg 840w,&#10; https://cdn-res.keymedia.com/cdn-cgi/image/w=1000,h=600,f=auto/https://cdn-res.keymedia.com/cms/images/us/003/0356_639141217388478009.jpg 1000w» src=»https://cdn-res.keymedia.com/cdn-cgi/image/w=840,h=504,f=auto/https://cdn-res.keymedia.com/cms/images/us/003/0356_639141217388478009.jpg» alt=»Insurer asks court to drop pipeline contractor’s defense» fetchpriority=»high»/><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article-detail__left__content» WPAuto_Base_Readability=»31.829298831386″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article-detail__left__content__writer»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h4>
 <a class=»tag» href=»/us/news/risk-compliance-legal/»>
 Risk, Compliance &; Legal
 </a>
 </h4><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p>
 By
 <a id=»author» class=»author» href=»/us/authors/tez-romero/»>Tez Romero</a>
 </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article-detail__left__content__writer__info»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><label class=»btn-align»>May 11, 2026</label><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><label class=»btn-align»>Share</label><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><!– ShareThis BEGIN –><p/><!– ShareThis END –><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>

 </p><div class=»wrapper wrapper–detail mb-30-30-20″ WPAuto_Base_Readability=»6.5″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper–detail__body» WPAuto_Base_Readability=»33″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p paraeid=»{8ab873d6-5cfa-4a16-8d1e-4f7490c4c75c}{94}» paraid=»343373479″>Fortegra Specialty Insurance is asking a federal judge to let it walk away from defending a contractor sued over a Pennsylvania pipeline leak. </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper wrapper–detail mb-30-30-20″ WPAuto_Base_Readability=»8.5″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper–detail__body» WPAuto_Base_Readability=»37″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 

</p><p paraeid=»{8ab873d6-5cfa-4a16-8d1e-4f7490c4c75c}{100}» paraid=»1175433880″>The carrier filed a declaratory judgment complaint on May 8, 2026 in the US District Court for the Eastern District of Kentucky against its insured, Natural Energy Field Services. Fortegra wants a ruling that it has no duty to defend or indemnify the firm in eight lawsuits tied to a leak on the Sunoco Twin Oaks Pipeline. </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper wrapper–detail mb-30-30-20″ WPAuto_Base_Readability=»8.5″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper–detail__body» WPAuto_Base_Readability=»37″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 

</p><p paraeid=»{8ab873d6-5cfa-4a16-8d1e-4f7490c4c75c}{106}» paraid=»1665353590″>The pipeline moves jet fuel from Delaware County, Pennsylvania to Newark, New Jersey, the complaint says. NEFS does not own it and has no control over how it runs. Energy Transfer hired the firm to monitor construction and repair work. </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper wrapper–detail mb-30-30-20″ WPAuto_Base_Readability=»10.5″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper–detail__body» WPAuto_Base_Readability=»41″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 

</p><p paraeid=»{8ab873d6-5cfa-4a16-8d1e-4f7490c4c75c}{112}» paraid=»655971925″>In January 2025, Energy Transfer brought NEFS in to look into complaints about a possible leak. The leak was confirmed on or about January 31, 2025 in Bucks County. Crews finished repairs on or about February 5, 2025, and the pipeline went back into service. NEFS kept monitoring repair work through 2025 but did no further work on the pipeline after October 3, 2025, the filing states. </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><section class=»ad-wrapper-970×250 mb-60″ WPAuto_Base_Readability=»2″>
 <p><script><![CDATA[googletag.cmd.push(function () { googletag.display(’div-gpt-ad-1778532366579-5’); });]]></script></p>
 </section><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper wrapper–detail mb-30-30-20″ WPAuto_Base_Readability=»11.5″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper–detail__body» WPAuto_Base_Readability=»43″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 

</p><p paraeid=»{8ab873d6-5cfa-4a16-8d1e-4f7490c4c75c}{118}» paraid=»303150055″>The lawsuits started in early 2026. Beginning on or about January 23, 2026, Bucks County residents named NEFS as one of several defendants in eight cases filed in Philadelphia courts and federal court. According to the complaint, the claimants allege the leak caused a catastrophic environmental disaster that polluted soil, water, and air and injured their homes and health. They say the fuel smell goes back to September 2023. The causes of action against NEFS include negligence, public and private nuisance, negligent infliction of emotional distress, and medical monitoring. </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper wrapper–detail mb-30-30-20″ WPAuto_Base_Readability=»10.5″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper–detail__body» WPAuto_Base_Readability=»41″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 

</p><p paraeid=»{8ab873d6-5cfa-4a16-8d1e-4f7490c4c75c}{124}» paraid=»1278173481″>The coverage fight is about dates. Fortegra issued Contractors Professional Liability Insurance Policy No. AXC1000926-00 to NEFS for the period December 19, 2025 to December 19, 2026. The limits are $2 million each claim and $2 million in the aggregate, inclusive of claim expenses, with a $15,000 deductible. The retroactive date – the earliest date a wrongful act can happen and still be covered – is December 19, 2025. </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper wrapper–detail mb-30-30-20″ WPAuto_Base_Readability=»8.5″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper–detail__body» WPAuto_Base_Readability=»37″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 

</p><p paraeid=»{8ab873d6-5cfa-4a16-8d1e-4f7490c4c75c}{130}» paraid=»1353661755″>The policy states: «This is a Claims-Made and Reported Policy. Except as otherwise provided in this Policy, the coverage afforded is limited to those Claims which are first made against the Insured and reported to the Insurer during the Policy Period or Extended Reporting Period, if applicable.» Each insuring agreement also requires the loss to arise from a wrongful act or pollution incident on or after the retroactive date. </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper wrapper–detail mb-30-30-20″ WPAuto_Base_Readability=»8″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper–detail__body» WPAuto_Base_Readability=»36″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 

</p><p paraeid=»{8ab873d6-5cfa-4a16-8d1e-4f7490c4c75c}{136}» paraid=»1842145889″>Fortegra says none of that fits. The leak was confirmed on or about January 31, 2025. NEFS stopped pipeline work on or about October 3, 2025. Both sit before December 19, 2025. </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><section class=»ad-wrapper-970×250 mb-60″ WPAuto_Base_Readability=»2″>
 <p><script><![CDATA[googletag.cmd.push(function () { googletag.display(’div-gpt-ad-1778532366579-6’); });]]></script></p>
 </section><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper wrapper–detail mb-30-30-20″ WPAuto_Base_Readability=»10″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper–detail__body» WPAuto_Base_Readability=»40″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 

</p><p paraeid=»{8ab873d6-5cfa-4a16-8d1e-4f7490c4c75c}{142}» paraid=»1766360395″>The complaint also leans on the policy’s «Multiple Wrongful Acts» condition, which treats two or more claims arising out of a single wrongful act, or a series of related wrongful acts, as a single claim – with the clock starting at the first one. Fortegra’s logic: all eight suits trace back to one leak, the leak and the alleged negligence happened before the retroactive date, so coverage never kicks in. </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper wrapper–detail mb-30-30-20″ WPAuto_Base_Readability=»11″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper–detail__body» WPAuto_Base_Readability=»42″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 

</p><p paraeid=»{8ab873d6-5cfa-4a16-8d1e-4f7490c4c75c}{148}» paraid=»506366568″>NEFS notified Fortegra of the litigation on or about February 3, 2026. On or about March 20, 2026, Fortegra advised the contractor that «[a]s the Pollution Incident and the alleged Wrongful Acts [that form the basis for the Underlying Lawsuits] predate the December 15, 2025 Retroactive Date, the Company reserves its right to limit or deny coverage for both Loss and Defense Costs pursuant to the Professional Liability, Contractors Pollution Liability, or Bodily Injury / Property Damage Insuring Agreements.» The insurer is defending under a reservation of rights while the coverage issue plays out. </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper wrapper–detail mb-30-30-20″ WPAuto_Base_Readability=»10.5″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper–detail__body» WPAuto_Base_Readability=»41″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 

</p><p paraeid=»{8ab873d6-5cfa-4a16-8d1e-4f7490c4c75c}{154}» paraid=»2055236206″>Fortegra also flags a second carve-out. The policy excludes the cost of complying with any injunctive, declaratory or administrative relief from the definition of loss. The underlying claimants are seeking, among other things, an injunction halting the pipeline, a full water supply, temporary housing, and a «best-in-class leak detection system.» Fortegra says none of that is covered loss either. </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper wrapper–detail mb-30-30-20″ WPAuto_Base_Readability=»6.5″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper–detail__body» WPAuto_Base_Readability=»33″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 

</p><p paraeid=»{8ab873d6-5cfa-4a16-8d1e-4f7490c4c75c}{160}» paraid=»729806355″>The allegations in the underlying lawsuits have not been tested in court. The coverage claims have not been ruled on. NEFS has not yet filed a response. </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper wrapper–detail mb-30-30-20″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»wrapper–detail__body»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 

</p><p paraeid=»{8ab873d6-5cfa-4a16-8d1e-4f7490c4c75c}{166}» paraid=»1103688598″>Â </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>

 </p><section class=»wrapper wrapper–detail wrapper–latest-news»>
 <h3 class=»font2-22 mb-3″>Related Stories</h3>
 <ul class=»related-story»>

 <li><a href=»https://www.insurancebusinessmag.com/us/news/risk-compliance-legal/qbe-sues-cash-advance-funder-to-block-166k-contractor-judgment-572911.aspx»>QBE sues cash advance funder to block $166k contractor judgment</a></li>
 <li><a href=»https://www.insurancebusinessmag.com/us/news/risk-compliance-legal/texas-contractor-sues-cgl-insurer-over-misread-date-seeks-treble-damages-565714.aspx»>Texas contractor sues CGL insurer over misread date, seeks treble damages</a></li>
 </ul>
 </section><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><section class=»wrapper wrapper–detail» WPAuto_Base_Readability=»2″>
 <p><script><![CDATA[googletag.cmd.push(function () { googletag.display(’div-gpt-ad-1778532366579-business-card’); });]]></script></p>
 </section><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article-detail__right»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article-list__side-menu__content»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article-list__side-menu__content__top» WPAuto_Base_Readability=»6.2941176470588″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»ad-wrapper-300×600″ WPAuto_Base_Readability=»7″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p><script><![CDATA[googletag.cmd.push(function () { googletag.display(’div-gpt-ad-1778532366579-2’); });]]></script></p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»top-down-list top-down-list–resource-detail mb-40-25-35″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h3 class=»top-down-list__title»>LATEST NEWS</h3><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»top-down-list__item top-down-list__item–flex top-down-list__item–no-line»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article__img»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><a href=»/us/news/risk-compliance-legal/travelers-sues-zurich-over-who-pays-in-gas-explosion-lawsuits-574774.aspx»>
 <img src=»https://cdn-res.keymedia.com/cdn-cgi/image/w=120,h=72,f=auto/https://cdn-res.keymedia.com/cms/images/us/003/0356_639141214971170975.jpg» alt=»Travelers sues Zurich over who pays in gas explosion lawsuits» loading=»lazy»/>
 </a><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article__passage «><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h6>
 <a class=»top-down-list__item–flex-subtitle» href=»https://www.insurancebusinessmag.com/us/news/risk-compliance-legal/»>RISK, COMPLIANCE &; LEGAL</a>
 </h6><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h3>
 <a class=»top-down-list__item–flex-title clamp clamp-3″ href=»/us/news/risk-compliance-legal/travelers-sues-zurich-over-who-pays-in-gas-explosion-lawsuits-574774.aspx»>Travelers sues Zurich over who pays in gas explosion lawsuits</a>
 </h3><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»top-down-list__item top-down-list__item–flex top-down-list__item–no-line»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article__img»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><a href=»/us/news/risk-compliance-legal/excess-insurer-sues-its-insured-after-late-notice-and-17-million-jury-verdict-574773.aspx»>
 <img src=»https://cdn-res.keymedia.com/cdn-cgi/image/w=120,h=72,f=auto/https://cdn-res.keymedia.com/cms/images/us/003/0356_639141216534506269.jpg» alt=»Excess insurer sues its insured after late notice and $17 million jury verdict» loading=»lazy»/>
 </a><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article__passage «><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h6>
 <a class=»top-down-list__item–flex-subtitle» href=»https://www.insurancebusinessmag.com/us/news/risk-compliance-legal/»>RISK, COMPLIANCE &; LEGAL</a>
 </h6><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h3>
 <a class=»top-down-list__item–flex-title clamp clamp-3″ href=»/us/news/risk-compliance-legal/excess-insurer-sues-its-insured-after-late-notice-and-17-million-jury-verdict-574773.aspx»>Excess insurer sues its insured after late notice and $17 million jury verdict</a>
 </h3><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»top-down-list__item top-down-list__item–flex top-down-list__item–no-line»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article__img»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><a href=»/us/news/risk-compliance-legal/insurer-asks-court-to-drop-pipeline-contractors-defense-574772.aspx»>
 <img src=»https://cdn-res.keymedia.com/cdn-cgi/image/w=120,h=72,f=auto/https://cdn-res.keymedia.com/cms/images/us/003/0356_639141217388478009.jpg» alt=»Insurer asks court to drop pipeline contractor’s defense» loading=»lazy»/>
 </a><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article__passage «><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h6>
 <a class=»top-down-list__item–flex-subtitle» href=»https://www.insurancebusinessmag.com/us/news/risk-compliance-legal/»>RISK, COMPLIANCE &; LEGAL</a>
 </h6><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h3>
 <a class=»top-down-list__item–flex-title clamp clamp-3″ href=»/us/news/risk-compliance-legal/insurer-asks-court-to-drop-pipeline-contractors-defense-574772.aspx»>Insurer asks court to drop pipeline contractor’s defense</a>
 </h3><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»top-down-list__item top-down-list__item–flex top-down-list__item–no-line»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article__img»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><a href=»/us/news/cyber/google-warns-for-the-first-time-hackers-used-ai-to-find-and-exploit-a-security-flaw-574758.aspx»>
 <img src=»https://cdn-res.keymedia.com/cdn-cgi/image/w=120,h=72,f=auto/https://cdn-res.keymedia.com/cms/images/us/003/0356_639141133392081993.jpg» alt=»Google warns: for the first time, hackers used AI to find and exploit a security flaw» loading=»lazy»/>
 </a><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article__passage «><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h6>
 <a class=»top-down-list__item–flex-subtitle» href=»https://www.insurancebusinessmag.com/us/news/cyber/»>CYBER</a>
 </h6><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h3>
 <a class=»top-down-list__item–flex-title clamp clamp-3″ href=»/us/news/cyber/google-warns-for-the-first-time-hackers-used-ai-to-find-and-exploit-a-security-flaw-574758.aspx»>Google warns: for the first time, hackers used AI to find and exploit a security flaw</a>
 </h3><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»top-down-list__item top-down-list__item–flex top-down-list__item–no-line»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article__img»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><a href=»/us/news/breaking-news/why-the-famously-friendly-humans-are-heading-west-574749.aspx»>
 <img src=»https://cdn-res.keymedia.com/cdn-cgi/image/w=120,h=72,f=auto/https://cdn-res.keymedia.com/cms/images/us/003/0356_639141105335481345.jpg» alt=»Why the famously friendly humans are heading west» loading=»lazy»/>
 </a><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article__passage «><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h6>
 <a class=»top-down-list__item–flex-subtitle» href=»https://www.insurancebusinessmag.com/us/news/breaking-news/»>INSURANCE NEWS</a>
 </h6><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h3>
 <a class=»top-down-list__item–flex-title clamp clamp-3″ href=»/us/news/breaking-news/why-the-famously-friendly-humans-are-heading-west-574749.aspx»>Why the famously friendly humans are heading west</a>
 </h3><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
</p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»article-list__side-menu__content__bottom» WPAuto_Base_Readability=»32″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»ad-wrapper-300×250″ WPAuto_Base_Readability=»7″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p><script><![CDATA[googletag.cmd.push(function () { googletag.display(’div-gpt-ad-1778532366579-3’); });]]></script></p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»ad-wrapper-300×600″ WPAuto_Base_Readability=»7″><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p><script><![CDATA[googletag.cmd.push(function () { googletag.display(’div-gpt-ad-1778532366579-4’); });]]></script></p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div>
</section><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>

</p><section class=»wrapper-fluid wrapper-fluid–subscribe»>
 <section class=»wrapper»>
 <div class=»home-subscribe»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»home-subscribe__content»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h3>Keep up with the latest news and events</h3><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><h4>Join our mailing list, it's free!</h4><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><form id=»frmSubscribe» method=»get»>
 <p>
 <input id=»txtSubscribe» class=»input-subscribe» type=»email»/><input id=»btnSubscribe» class=»btn-subscribe js-subscribe» type=»button» value=»Subscribe»/>
 </p>
 </form><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div class=»home-subscribe__img»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><img src=»/images/mail.png»/><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div>
 </section>
</section><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
</p><script src=»https://code.jquery.com/jquery-3.3.1.min.js»/><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
</p><script src=»/lib/jquery-validation/dist/jquery.validate.min.js»/><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
</p><script src=»/lib/jquery-validation-unobtrusive/jquery.validate.unobtrusive.min.js»/><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
</p><script><![CDATA[
 // extend jquery range validator to work for required checkboxes
 var defaultRangeValidator = $.validator.methods.range;
 $.validator.methods.range = function (value, element, param) {
 if (element.type === ‘checkbox’) {
 // if it’s a checkbox return true if it is checked
 return element.checked;
 } else {
 // otherwise run the default validation function
 return defaultRangeValidator.call(this, value, element, param);
 }
 }
]]></script><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
</p><script type=»text/javascript»><![CDATA[

 let form = $(»#frmSubscribe»);
 form.validate({
 rules: {
 email: {
 email: true
 },
 },
 messages: {
 email: «Please enter a valid email address»,
 },
 errorPlacement: function (error, element) {
 error.insertAfter(»#divBtnGroup»);
 }
 });

 let btnSubscribe = document.getElementsByClassName(»js-subscribe»)[0];
 btnSubscribe.addEventListener(»click», function (event) {
 if (form.valid()) {
 let email = document.getElementById(»txtSubscribe»).value;
 location.href = «/us/newsletter/?email=» + encodeURI(email);
 }
 });
]]></script><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>






 </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><!–
 <div id=»custom_modal_contact_us» class=»custom-modal»>
 <div class=»custom-modal-content»>
 <div class=»subscription__card subscription__card–right»>
 <div class=»subscription__card__body»>
 <h2 class=»subscription__card__title»>
 IB+ Data Hub
 </h2>
 <h3 class=»subscription__card__subtitle»>
 The Ultimate Data Intelligence Platform for Insurance Professionals
 </h3>
 <p class=»subscription__card__description»>
 Unlock powerful dashboards and industry insights with IB+ Data Hub&mdash;your essential subscription for data-driven decision-making.
 </p>
 </div>
 <div class=»subscription__card__footer subscription__card__footer–center custom-modal-content-footer–center «>
 <a class=»subscription__button subscription__button–right» target=»_blank» href=»https://share.hsforms.com/1KcTZ4JHpQHuyBwubOFZI3Qcys6f?__hstc=226989634.d3aa988593c7d2214744435347143d26.1726773514384.1755700362051.1755724915579.415&__hssc=226989634.7.1755724915579&__hsfp=3474073941″>
 Register for free access
 </a>

 <span>
 Already an IB+ Data Hub Subscriber? <a class=»custom-modal-content-footer__login-link login_btn» href=»javascript:void(0);»>Login here</a>
 </span>
 </div>
 </div>
 </div>
 </div>
 –><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div>

 <script><![CDATA[
 window.jsGlobalConfig = {
 insurrDefaultSearchType: ‘Coverage’
 }
 ]]></script>

 <script src=»https://code.jquery.com/jquery-3.3.1.min.js»/>
 <script src=»https://cdnjs.cloudflare.com/ajax/libs/underscore.js/1.9.1/underscore-min.js»/>
 <script src=»//cdnjs.cloudflare.com/ajax/libs/js-cookie/2.2.0/js.cookie.min.js»/>
 <script src=»/js/site.min.js?v=hg9qisgmhB2nNrFYpuEENzntC9IR61scBa7UqvjSJn4″/>
 
 
 <script type=»text/javascript» src=»https://platform-api.sharethis.com/js/sharethis.js#property=64ac5b86bb86750019de58da&;product=inline-share-buttons» async=»async»/>


 
 <script><![CDATA[
 function requestPostitialOnScroll() {
 var currentPosition = window.pageYOffset;
 var browserHeight = document.documentElement.clientHeight;
 if (currentPosition > browserHeight) {
 googletag.cmd.push(function () {
 googletag.defineSlot(’/21873781324/insurance-business/ibaw/ros/ibaw_ros_300×250_pos’, [300, 250], ‘div-gpt-ad-1778532366579-postitial’).setTargeting(’ibaw_pos’, ‘POS’).addService(googletag.pubads());
 googletag.display(’div-gpt-ad-1778532366579-postitial’);
 });

 window.removeEventListener(’scroll’, requestPostitialOnScroll);
 }
 }

 window.addEventListener(’scroll’, requestPostitialOnScroll);
 ]]></script>

 <script src=»https://cdn.jsdelivr.net/npm/algoliasearch@4.23.3/dist/algoliasearch-lite.umd.js» integrity=»sha256-1QNshz86RqXe/qsCBldsUu13eAX6n/O98uubKQs87UI=» crossorigin=»anonymous»/>
 <script src=»https://cdn.jsdelivr.net/npm/instantsearch.js@4.68.0/dist/instantsearch.production.min.js» integrity=»sha256-pk7I7Xu6RA1qVbVU7Haw3ULL8nd5CXM5ith59df0/7I=» crossorigin=»anonymous»/>
 <div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div id=»search_overlay»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p/><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div id=»search_container»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div id=»search_modal»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p/><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div id=»search_content»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div id=»search_panel»><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p/><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p/><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p/><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p/><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p/><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div><p style=»display: inline;» class=»WPAuto_Base_Readability-styled»>
 </p></div>
 <script type=»text/javascript»><![CDATA[
 (function () {
 const searchClient = algoliasearch(’G2EY7Y6809’, ‘d94bfd076b2b98e0c2154b72702ee66d’);

 var currentRegion = ‘us’;
 var searchCount = 0;


 var useRegions = true;

 var regions = [
 { label: ‘All’, value: », count: 0, isRefined: false, exhaustive: true, data: null },

 { label: ‘United Kingdom’, value: ‘uk’, count: 0, isRefined: false, exhaustive: true, data: null },



 { label: ‘United States’, value: ‘us’, count: 0, isRefined: false, exhaustive: true, data: null },



 { label: ‘Canada’, value: ‘ca’, count: 0, isRefined: false, exhaustive: true, data: null },



 { label: ‘Australia’, value: ‘au’, count: 0, isRefined: false, exhaustive: true, data: null },



 { label: ‘New Zealand’, value: ‘nz’, count: 0, isRefined: false, exhaustive: true, data: null },



 { label: ‘Asia’, value: ‘asia’, count: 0, isRefined: false, exhaustive: true, data: null },



 { label: ‘Reinsurance’, value: ‘reinsurance’, count: 0, isRefined: false, exhaustive: true, data: null },


 ];

 const search = instantsearch({
 indexName: ‘relevance’,
 searchFunction: function (helper) {
 if (helper.state.query === » && searchCount == 0) {
 return;
 }

 document.getElementsByClassName(’ais-SearchBox-input’)[0].style.borderBottomLeftRadius = 0;
 document.getElementsByClassName(’ais-SearchBox-input’)[0].style.borderBottomRightRadius = 0;
 document.getElementById(’search_content’).style.display = ‘contents’;

 if (window.innerWidth < 768) {
 document.getElementById(’search_modal’).style.height = ‘100%’;
 }

 if (useRegions)
 {
 if (helper.state.hierarchicalFacetsRefinements.region.length > 0) {
 if (helper.state.hierarchicalFacetsRefinements.region[0] === undefined) {
 helper.state.hierarchicalFacetsRefinements.region.pop();
 }

 currentRegion = helper.state.hierarchicalFacetsRefinements.region[0];
 } else {
 currentRegion = »;
 }
 }

 searchCount++;
 helper.search();

 var searchResults = document.getElementsByClassName(’ais-Hits’);

 if (searchResults.length > 0)
 document.getElementsByClassName(’ais-Hits’)[0].scrollTop = 0;
 },
 searchClient
 });

 function debounce(func, wait) {
 let timeout;
 return function (...args) {
 clearTimeout(timeout);
 timeout = setTimeout(() => func.apply(this, args), wait);
 };
 }

 search.addWidgets([
 instantsearch.widgets.searchBox({
 container: ‘#search_box’,
 placeholder: ‘Search’,
 showSubmit: true,
 showReset: true,
 autofocus: false,
 queryHook: debounce(function (query, search) {
 search(query);
 }, 250)
 }),
 instantsearch.widgets.hitsPerPage({
 container: ‘#search_per_page’,
 items: [
 { label: ’15’, value: 15, default: true },
 { label: ’25’, value: 25 },
 { label: ’50’, value: 50 },
 { label: ‘100’, value: 100 }
 ]
 }),
 instantsearch.widgets.stats({
 container: ‘#search_stats’,
 templates: {
 text(data, { html }) {
 return html`
 ${data.nbHits.toLocaleString()} results for «<strong>${data.query}»
 `;
 }
 }
 }),
 instantsearch.widgets.hits({
 container: ‘#search_results’,
 templates: {
 item(data, { html }) {
 return html`
 <h3>
 <a href=»${data.url}»>${data.title}
 
 <a href=»${data.url}»>${data.url}
 <p>${data.summary}
 `;
 },
 empty(data, { html }) {
 return html`
 <h1>No results
 <p>No matches were found for «<strong>${data.query}»
 `;
 }
 }
 }),
 instantsearch.widgets.pagination({
 container: ‘#search_pagination’,
 }),
 instantsearch.widgets.sortBy({
 container: ‘#search_sort’,
 items: [
 { value: ‘relevance’, label: ‘Relevance’ },
 { value: ‘date_desc’, label: ‘Latest’ }
 ]
 }),
 {
 init: function (options) {
 if (useRegions) {
 options.helper.state.hierarchicalFacetsRefinements.region.push(currentRegion);
 }
 }
 }
 ]);

 if (useRegions) {
 search.addWidgets([
 instantsearch.widgets.menu({
 container: ‘#search_region’,
 attribute: ‘region’,
 transformItems(items) {
 const selectedItem = items.find(item => item.isRefined);
 regions.forEach(item => {
 item.isRefined = false;
 });

 if (selectedItem) {
 regions.find(item => item.value === selectedItem.value).isRefined = true;
 } else {
 regions.find(item => item.value === currentRegion).isRefined = true;
 }

 return regions;
 },
 templates: {
 item(data, { html }) {
 return html`
 <a class=»${data.cssClasses.link}» href=»${data.url}»>
 <span class=»${data.cssClasses.label}»>${data.label}
 
 `;
 }
 }
 })
 ]);
 }

 search.start();

 // Shows and Hides search overlay
 var searchButton = document.getElementsByClassName(’algolia-search__btn’);

 if (searchButton.length > 0) {
 var container = document.getElementById(’search_container’);
 var overlay = document.getElementById(’search_overlay’);

 Array.from(searchButton).forEach(function (button) {
 button.addEventListener(’click’, function (event) {
 event.preventDefault();
 container.style.display = ‘block’;
 overlay.style.display = ‘block’;
 document.body.style.overflow = ‘hidden’;
 document.getElementsByClassName(’ais-SearchBox-input’)[0].focus();
 });
 });

 document.addEventListener(’keydown’, function (event) {
 if (event.key === ‘Escape’ && container.style.display === ‘block’) {
 document.getElementsByClassName(’ais-SearchBox-reset’)[0].click();
 }
 });

 container.addEventListener(’click’, function (event) {
 if (this === event.target) {
 document.getElementsByClassName(’ais-SearchBox-reset’)[0].click();
 }
 });

 document.getElementsByClassName(’ais-SearchBox-reset’)[0].addEventListener(’click’, function (event) {
 container.style.display = ‘none’;
 overlay.style.display = ‘none’;
 document.body.style.overflow = ‘auto’;
 document.getElementById(’search_content’).style.display = ‘none’;
 document.getElementById(’search_modal’).style.height = ‘auto’;
 document.getElementsByClassName(’ais-SearchBox-input’)[0].style.borderBottomLeftRadius = ’10px’;
 document.getElementsByClassName(’ais-SearchBox-input’)[0].style.borderBottomRightRadius = ’10px’;
 searchCount = 0;
 });

 window.addEventListener(’resize’, function (event) {
 if (window.innerWidth < 768 && search.helper.state.query != ») {
 document.getElementById(’search_modal’).style.height = ‘100%’;
 } else {
 document.getElementById(’search_modal’).style.height = ‘auto’;
 }
 });
 }

 var styleLink = document.createElement(’link’);
 styleLink.setAttribute(’rel’, ‘stylesheet’);
 styleLink.setAttribute(’href’, ‘https://cdn.jsdelivr.net/npm/instantsearch.css@8.1.0/themes/satellite-min.css’);
 styleLink.setAttribute(’integrity’, ‘sha256-p/rGN4RGy6EDumyxF9t7LKxWGg6/MZfGhJM/asKkqvA=’);
 styleLink.setAttribute(’crossorigin’, ‘anonymous’);

 document.head.appendChild(styleLink);
 })();
 ]]></script>
 


 <script type=»text/javascript»><![CDATA[
 (function (d, s, id) {
 var js, tjs = d.getElementsByTagName(s)[0];
 if (d.getElementById(id)) return;
 js = d.createElement(s); js.id = id;
 js.src = «https://app.termly.io/embed-policy.min.js»;
 tjs.parentNode.insertBefore(js, tjs);
 }(document, ‘script’, ‘termly-jssdk’));]]></script>

 <script type=»text/javascript» src=»https://app.termly.io/resource-blocker/571d5703-8dbd-4f95-bcdb-8b3b77265f3f?autoBlock=on»/>

 <script><![CDATA[
 var Pelcro = window.Pelcro || (window.Pelcro = {});
 Pelcro.siteid = 5399;
 Pelcro.environment = {};
 Pelcro.environment.stripe = «pk_live_Wdef2LjEQXsgFWult6IVFobB»
 Pelcro.environment.domain = «https://www.pelcro.com»;
 Pelcro.environment.ui = «https://js.pelcro.com/ui/plugin/membership/v1/main.min.js»
 Pelcro.uiSettings = {skipPaymentForFreePlans: true}
 ]]></script>
 <script src=»//js.pelcro.com/sdk/main.min.js» type=»text/javascript»/>

 <script><![CDATA[
 function displayContactUs(value = true) {
 const modal_container = document.getElementById(»custom_modal_contact_us»);
 if (!modal_container) return;

 modal_container.style.display = value ? «block» : «none»;

 if (value) {
 document.body.classList.add(»custom-modal-open»);
 } else {
 document.body.classList.remove(»custom-modal-open»);
 }
 }

 function displayButton(button, value=true) {
 if(value) {
 button.classList.remove(»login-logout-btn–hidden»)
 } else {
 button.classList.add(»login-logout-btn–hidden»)
 }
 }

 function displayAccountButtons(value = true) {
 const my_account_btn = document.querySelectorAll(».my_account_btn»);
 const login_btn = document.querySelectorAll(».login_btn»);
 const logout_btn = document.querySelectorAll(».logout_btn»);

 my_account_btn.forEach((btn) => {
 displayButton(btn, value);
 });
 logout_btn.forEach((btn) => {
 displayButton(btn, value);
 });
 login_btn.forEach((btn) => {
 displayButton(btn, !value);
 });
 }

 // function checkUserAccessToDataHub(has_data_hub) {
 // if (!has_data_hub) return;

 // try {
 // if (!Pelcro.user.isAuthenticated()) {
 // displayContactUs(true);
 // return;
 // }

 // const hasEntitlement = Pelcro.user.isEntitledTo(»data-hub»);
 // if (!hasEntitlement) {
 // displayContactUs(true);
 // return;
 // }

 // const user = Pelcro.user.read();

 // const hasValidSubscription = (user?.subscriptions ?? []).some(sub =>
 // (sub.status === «active» || sub.status === «trialing») &&
 // sub.plan?.product?.entitlements?.includes(»data-hub»)
 // );

 // const hasValidMembership = (user?.memberships ?? []).some(membership =>
 // membership.status === «active» &&
 // (membership.subscription?.status === «active» || membership.subscription?.status === «trialing») &&
 // membership.subscription?.plan?.product?.entitlements?.includes(»data-hub»)
 // );

 // const isValidAccess = hasValidSubscription || hasValidMembership;

 // displayContactUs(!isValidAccess);
 // } catch (error) {
 // console.error(»Error checking data hub access:», error);
 // displayContactUs(true);
 // }
 // }

 document.addEventListener(»PelcroSiteLoaded», function() {
 try {
 const my_account_btn = document.querySelectorAll(».my_account_btn»);
 const login_btn = document.querySelectorAll(».login_btn»);
 const logout_btn = document.querySelectorAll(».logout_btn»);

 const page_tags = Pelcro.helpers.getOgArticleTags();
 //const has_data_hub = page_tags && page_tags.includes(»data-hub»);
 //const user_isAuthenticated = Pelcro.user.isAuthenticated();

 // if (has_data_hub) {
 // if (!user_isAuthenticated){
 // displayContactUs(true);
 // }
 // else {
 // displayContactUs(false);
 // }
 // }

 my_account_btn.forEach((btn) => {
 btn.addEventListener(’click’, function () {
 const pelcro_my_account_button = document.querySelector(’.pelcro-dashboard-button’);
 if (pelcro_my_account_button) {
 pelcro_my_account_button.click();
 }
 });
 });

 login_btn.forEach((btn) => {
 btn.addEventListener(’click’, function () {
 const pelcro_login_button = document.querySelector(’.pelcro-login-button’);
 if (pelcro_login_button) {
 pelcro_login_button.click();
 }
 });
 });

 logout_btn.forEach((btn) => {
 btn.addEventListener(’click’, function () {
 Pelcro.user.logout();
 const pelcro_login_button = document.querySelector(’.pelcro-login-button’);
 if (pelcro_login_button) {
 pelcro_login_button.click();
 }
 });
 });

 document.addEventListener(’PelcroUserLogout’, function() {
 displayAccountButtons(false);
 // if (has_data_hub) {
 // displayContactUs(true);
 // }
 });

 document.addEventListener(’PelcroUserLoggedIn’, function() {
 displayAccountButtons();
 //checkUserAccessToDataHub(has_data_hub);
 });

 document.addEventListener(’PelcroUserLoaded’, function() {
 displayAccountButtons();
 //checkUserAccessToDataHub(has_data_hub);
 });
 } catch (error) {
 console.error(»Error in Pelcro site initialization:», error);
 }
 });

 function observePelcroApp(callback) {
 const observer = new MutationObserver((mutations, obs) => {
 if (document.getElementById(»pelcro-app»)) {
 obs.disconnect();
 callback();
 }
 });

 observer.observe(document.body, { childList: true, subtree: true });
 }

 observePelcroApp(() => {
 try {
 const buttons = document.getElementsByClassName(»subscribe-btn»);
 Array.from(buttons).forEach(button => {
 button.classList.remove(»subscribe-btn»);
 const spinner = button.querySelector(».spinner»);
 if (spinner) spinner.remove();
 });
 } catch (error) {
 console.error(»Error processing Pelcro app:», error);
 }
 });
 ]]></script>

 
 

 
<script><![CDATA[(function(){function c(){var b=a.contentDocument||a.contentWindow.document;if(b){var d=b.createElement(’script’);d.innerHTML=»window.__CF$cv$params={r:’9fa407fa9e6d8e3f’,t:’MTc3ODUzMjM2Ng==’};var a=document.createElement(’script’);a.src=’/cdn-cgi/challenge-platform/scripts/jsd/main.js’;document.getElementsByTagName(’head’)[0].appendChild(a);»;b.getElementsByTagName(’head’)[0].appendChild(d)}}if(document.body){var a=document.createElement(’iframe’);a.height=1;a.width=1;a.style.position=’absolute’;a.style.top=0;a.style.left=0;a.style.border=’none’;a.style.visibility=’hidden’;document.body.appendChild(a);if(’loading’!==document.readyState)c();else if(window.addEventListener)document.addEventListener(’DOMContentLoaded’,c);else{var e=document.onreadystatechange||function(){};document.onreadystatechange=function(b){e(b);’loading’!==document.readyState&&(document.onreadystatechange=e,c())}}}})();]]></script></body>

