highlight
Автор: Crane Talk
Загружено: 2026-02-17
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In this highlight, Laura Schoefer unpacks the high-stakes mechanics behind hammer letters and multi-layer umbrella insurance towers. When plaintiffs demand “policy limits” in cases involving stacked excess carriers, it creates strategic tension between primary and excess insurers—especially if a reasonable settlement opportunity is rejected and a much larger verdict follows.
Laura also explains how hammer letters incentivize excess carriers to act in good faith, since failing to accept a reasonable demand could expose them to liability beyond their own limits.
The discussion closes with a breakdown of the borrowed servant doctrine, where control determines liability—and how proactive contract language can materially impact claim outcomes before litigation ever begins.
In today’s tight umbrella market, understanding these mechanics is critical.
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