California Court Rules Policyholders Can Sue Excess Insurers Before Lower Coverage Exhausted

Court eliminates exhaustion requirement for declaratory relief and bad faith claims, allowing insureds to pursue all layers of coverage simultaneously in disputes over layered insurance programs. The post California Court Rules Policyholders Can Sue Excess Insurers Before Lower Coverage Exhausted appeared first on Risk & Insurance.

Commercial risk teams are responding with tighter controls, scenario modeling, and broader collaboration across underwriting, claims, and cyber operations.

Leaders continue to prioritize resilience planning while balancing cost, coverage terms, and operational exposure in a changing market cycle.