Hunton Insurance Recovery Blog

Policyholders facing coverage denials under directors and officers liability policies often hear the same refrain from insurers: because the underlying claims involve a contract, coverage is barred under a contractual liability exclusion. In The Cincinnati Insurance Co. v. Metropolis Condominium Association, No. 24-C-4328 (N.D. Ill. Mar. 31, 2026), an Illinois federal judge issued an important reminder that contract-exclusion analysis is not that simple.