Litigation Strategy & Recovery

A denial letter is written to sound final, but it rarely is. A former insurer-side coverage litigator explains how insurers build, value, and deny claims, and how policyholders can approach a claim the same way.

Illinois starts from the premise that no one has a general duty to preserve evidence. For a business that sees a dispute coming, that rule offers less protection than it seems, and the evidence most likely to disappear is the evidence nobody decides to destroy.

An effective demand letter should communicate the claim and create a path toward resolution. Revealing every argument, calculation, and piece of evidence may not always advance the negotiation.

A company signs a broad release to resolve a modest payment dispute, then discovers substantially larger financial misconduct. The scope of the release, unknown claims language, alleged concealment, and possible rescission theories may determine whether the later claim survives.

AI features that recognize faces, fingerprints, or voices can trigger the Illinois Biometric Information Privacy Act. Why the exposure is unusual, where voice-based claims are heading, and how insurance may respond.

An AI tool narrows 600 applicants to 25, and a rejected candidate alleges age bias. What Illinois's new AI employment law, notice requirements, and vendor liability mean for employers.