Ready to Register?

MyLawCLE All-Access Pass

Best choice

Add the All-Access Pass and get this program —
plus 1,000+ live CLE programs every year.


All specialty & ethics credits included
38 practice areas
New sections: AI & the Law, Practice Management
100s of current and trending legal topics
Nationally recognized and highly experienced presenters

$395 / year — this program included
Register with the All-Access Pass

This program + 1,000+ CLE programs, all year

Or register for just this program

Live Video Broadcast

Live webinar of this one program.
$195 Register

On-Demand Video

Recorded access + self-study credit.
$195 Register

Suing Excess Insurers Before Exhaustion: The Policyholder’s Whole-Tower Action After Fox Paine

Excess carriers no longer get a free pass until the tower burns down. Learn to plead a whole-tower action under Fox Paine’s reasonable-likelihood standard, prove pre-attachment bad faith, and build the damages record across layered programs.

2026-10-02 12:00:00

Program Details

2026-10-02 12:00:00

Program Details

2026-10-02 12:00:00

Over 1,000+ webinars

2026-10-02 12:00:00

Course Overview

Excess Insurers Can Now Be Sued Before a Single Upper Layer Attaches

2026-10-02 12:00:00

The California Supreme Court decided Fox Paine & Co. v. Twin City Fire Insurance Co. in July 2026. Policyholders may now sue excess insurers across an entire layered tower before underlying limits are exhausted. The Court held unanimously that the implied covenant operates from policy inception, not from attachment. The serial-litigation staircase is gone.

Plead thinly and the demurrer succeeds. The reasonable-likelihood standard demands factual allegations, not labels. Ignore follow-form versus independent layer language and the exhaustion analysis collapses. Wait for attachment and the limitations clock runs against you. Miss the pre-attachment conduct — concealed evaluations, premature repudiation, stonewalled investigation — and the bad faith claim never forms.

Attendees walk out with a whole-tower complaint framework and a pre-attachment bad faith proof checklist. Damages theories run through Neal v. Farmers Ins. Exchange, documented settlement-participation invitations, and actuarial loss-trajectory projections. The jurisdictional map covers California, Florida, and New York’s pending S166A. This is practitioner judgment drawn from the decisions themselves.

Format

CLE Credit

2h CLE Credits

Level

Intermediate

Length

2

Key topics that will be covered

01
Fox Paine Holdings
How the tower structure, the dismissed second through fourth excess layers, and the implied covenant from inception reset policyholder leverage.
02
Reasonable Likelihood Pleading
What the complaint must allege about losses reaching each attachment point to survive demurrer.
03
Tower Policy Language
How exhaustion provisions and follow-form versus independent layer drafting change the coverage action.
04
Serial Litigation Strategy
How limitations periods and tower-wide discovery drive the decision to sue every layer at once.
05
Pre-Attachment Bad Faith
Which carrier conduct — concealment, premature repudiation, stonewalling, settlement refusal — triggers liability before attachment.
06
Damages and Proof
How to build recovery under Neal v. Farmers Ins. Exchange and apply the framework across California, Florida, and New York.

Program schedule

clock 12:00 pm - 1:00 pm EST

Pleading the Whole-Tower Coverage Action Before Underlying Limits Are Exhausted

This session examines the California Supreme Court’s July 2026 decision in Fox Paine & Co. v. Twin City Fire Insurance Co. and its landmark holding that policyholders may sue excess insurers across an entire layered tower before underlying limits are exhausted. Attorneys will learn the new ‘reasonable likelihood’ pleading standard, how to structure a whole-tower complaint, and how the decision eliminates the serial litigation staircase that previously forced insureds into successive policy-by-policy lawsuits. Attendees will leave with a practical framework for drafting declaratory relief claims against upper-layer excess carriers and for mapping policy language across layered programs to satisfy demurrer-proof factual pleading requirements.

Benjamin W. MassarskyBenjamin W. Massarsky
Natalie E. CookNatalie E. Cook
clock 1:10 pm - 2:10 pm EST

Proving Excess Insurer Bad Faith Before the Policy Attaches

This session examines how policyholder counsel can identify, plead, and prove bad faith claims against excess insurers before underlying limits are exhausted. Drawing on the California Supreme Court’s landmark Fox Paine decision and the emerging national landscape, attorneys will learn the specific pre attachment conduct that triggers implied covenant liability, how to document and build the damages case, and how jurisdiction-by-jurisdiction variation shapes litigation strategy. Attendees will leave with a concrete proof framework applicable to multi-layer tower disputes.

Marc S. MayersonMarc S. Mayerson
Benjamin W. Massarsky

Benjamin W. Massarsky

Miller Friel, PLLC

Natalie E. Cook

Natalie E. Cook

BatesCarey LLP

Marc S. Mayerson

Marc S. Mayerson

The Mayerson Firm PLLC

Benjamin W. Massarsky

Benjamin W. Massarsky

Miller Friel, PLLC

Benjamin W. Massarsky is a Partner at Miller Friel, PLLC, where he represents corporate policyholders in complex insurance disputes in federal and state court. His coverage work spans commercial general liability, property, directors and officers, errors and omissions, political risk, builder’s risk, and music tour non-appearance policies, for clients in manufacturing, real estate, technology, and entertainment.

Education & Credentials

Mr. Massarsky earned his Juris Doctor, magna cum laude, from the American University Washington College of Law, where he was elected to the Order of the Coif, and his Bachelor of Arts in History and Government from Cornell University. He is admitted to practice in New York, Washington, D.C., and Maryland, and before the United States District Court for the District of Columbia and the United States Courts of Appeals for the Seventh and Ninth Circuits.

Recognition & Leadership

Mr. Massarsky was named to Law360's Rising Stars of 2024, recognizing top attorneys under forty in Insurance Law. Thomson Reuters named him a Washington, D.C. Super Lawyers Rising Star for 2024 and 2025, and a Washington, D.C. Super Lawyer for 2026.

Professional Involvement

Mr. Massarsky is quoted frequently in Law360 on insurance coverage developments and has published on coverage questions arising from the Astroworld litigation, Suez Canal losses, and Paycheck Protection Program considerations. He presents continuing legal education programs on insurance coverage, bad faith litigation, and the Trafficking Victims Protection Act. His pro bono practice includes representing special education students and drafting petitions for writs of certiorari to the United States Supreme Court on behalf of criminal defendants.

Experience

Mr. Massarsky secured a $112 million verdict on behalf of the firm's client after a two-week federal jury trial in May 2023, among the largest bad faith insurance coverage awards in thirty years. His practice centers on prosecuting coverage and bad faith claims for corporate insureds across layered insurance programs in federal and state courts nationwide.
Natalie E. Cook

Natalie E. Cook

BatesCarey LLP

Natalie E. Cook is an Associate at BatesCarey LLP, where her practice centers on complex insurance coverage disputes. She works on commercial general liability matters, coverage litigation, and transportation coverage questions. She came to private practice from a judicial clerkship in the Chancery Division of the Circuit Court of Cook County, and earlier served as a judicial extern in the United States District Court for the Southern District of Indiana.

Education & Credentials

Ms. Cook earned her Juris Doctor, cum laude, from the Indiana University Maurer School of Law in 2023, and her Bachelor of Arts in Political Science and Economics, with honors, from Grinnell College in 2020. She is admitted to practice in Illinois.

Recognition & Leadership

Ms. Cook served as Managing Editor of the Indiana Law Journal and as Research Director of the Incarcerated Individuals Legal Assistance Project, a student-run pro bono organization.

Professional Involvement

Ms. Cook is a member of the Chicago Bar Association.

Experience

Ms. Cook's practice addresses complex insurance coverage disputes, including commercial general liability and transportation matters. In the Chancery Division of the Circuit Court of Cook County she managed a caseload and drafted judicial opinions on equitable matters. She also interned with the Wireline Competition Bureau of the Federal Communications Commission.
Marc S. Mayerson

Marc S. Mayerson

The Mayerson Firm PLLC

Marc S. Mayerson is the Principal of The Mayerson Firm PLLC in Washington, D.C., where he represents policyholders — businesses, nonprofits, directors, executives, and fiduciaries — in complex insurance coverage disputes. His practice reaches excess coverage and exhaustion, multi-layer insurance towers, directors and officers liability, and insurer bad faith, as well as asbestos, environmental cleanup, toxic tort, product liability, securities, ERISA fiduciary, employment practices, fidelity and dishonesty, first-party property, and business interruption claims. He also serves as an arbitrator, mediator, and expert in insurance matters.

Education & Credentials

Mr. Mayerson earned his Juris Doctor, magna cum laude, from Harvard Law School in 1986, where he was a member of the Harvard Law Review. He received his Bachelor of Arts from the University of Michigan in 1983 with Highest Distinction and High Honors, and was elected to Phi Beta Kappa. Following law school he served as a judicial clerk to the Honorable Stephen R. Reinhardt of the United States Court of Appeals for the Ninth Circuit.

Recognition & Leadership

Mr. Mayerson is an elected Fellow of the American College of Coverage Counsel. He has been listed in Chambers USA, The Best Lawyers in America, and Super Lawyers, was named a Leading Lawyer in insurance by Legal Times, and is recognized in the Experts’ Guide to the World’s Leading Insurance and Reinsurance Lawyers.

Professional Involvement

Mr. Mayerson co-edits the New Appleman Insurance Law Practice Guide, the most widely used practice guide in the field. He has written on the duty to defend, notice requirements, integrated risk programs, environmental recovery, contaminated food losses, cyber risk, and insurance bad faith, and previously authored the insurance law blog Insurance Scrawl. He has taught insurance law at Georgetown University Law Center and the George Washington University Law School, testified before a United States Senate subcommittee on insurance issues affecting charities and nonprofits, and provided expert testimony to the ERISA Advisory Council on fiduciary fidelity bonds.

Experience

Mr. Mayerson’s coverage practice centers on recovery under excess and umbrella layers, including disputes over exhaustion, attachment, and allocation across multi-layer insurance towers, and on directors and officers coverage for executives and fiduciaries. He serves as an AAA-certified commercial arbitrator and insurance coverage neutral, was certified as a Storm Sandy insurance mediator, and sits as an arbitrator on the District of Columbia Bar Attorney-Client Arbitration Board.
Benjamin W. Massarsky

Benjamin W. Massarsky

Miller Friel, PLLC

Benjamin W. Massarsky is a Partner at Miller Friel, PLLC, where he represents corporate policyholders in complex insurance disputes in federal and state court. His coverage work spans commercial general liability, property, directors and officers, errors and omissions, political risk, builder’s risk, and music tour non-appearance policies, for clients in manufacturing, real estate, technology, and entertainment.

Education & Credentials

Mr. Massarsky earned his Juris Doctor, magna cum laude, from the American University Washington College of Law, where he was elected to the Order of the Coif, and his Bachelor of Arts in History and Government from Cornell University. He is admitted to practice in New York, Washington, D.C., and Maryland, and before the United States District Court for the District of Columbia and the United States Courts of Appeals for the Seventh and Ninth Circuits.

Recognition & Leadership

Mr. Massarsky was named to Law360's Rising Stars of 2024, recognizing top attorneys under forty in Insurance Law. Thomson Reuters named him a Washington, D.C. Super Lawyers Rising Star for 2024 and 2025, and a Washington, D.C. Super Lawyer for 2026.

Professional Involvement

Mr. Massarsky is quoted frequently in Law360 on insurance coverage developments and has published on coverage questions arising from the Astroworld litigation, Suez Canal losses, and Paycheck Protection Program considerations. He presents continuing legal education programs on insurance coverage, bad faith litigation, and the Trafficking Victims Protection Act. His pro bono practice includes representing special education students and drafting petitions for writs of certiorari to the United States Supreme Court on behalf of criminal defendants.

Experience

Mr. Massarsky secured a $112 million verdict on behalf of the firm's client after a two-week federal jury trial in May 2023, among the largest bad faith insurance coverage awards in thirty years. His practice centers on prosecuting coverage and bad faith claims for corporate insureds across layered insurance programs in federal and state courts nationwide.
Natalie E. Cook

Natalie E. Cook

BatesCarey LLP

Natalie E. Cook is an Associate at BatesCarey LLP, where her practice centers on complex insurance coverage disputes. She works on commercial general liability matters, coverage litigation, and transportation coverage questions. She came to private practice from a judicial clerkship in the Chancery Division of the Circuit Court of Cook County, and earlier served as a judicial extern in the United States District Court for the Southern District of Indiana.

Education & Credentials

Ms. Cook earned her Juris Doctor, cum laude, from the Indiana University Maurer School of Law in 2023, and her Bachelor of Arts in Political Science and Economics, with honors, from Grinnell College in 2020. She is admitted to practice in Illinois.

Recognition & Leadership

Ms. Cook served as Managing Editor of the Indiana Law Journal and as Research Director of the Incarcerated Individuals Legal Assistance Project, a student-run pro bono organization.

Professional Involvement

Ms. Cook is a member of the Chicago Bar Association.

Experience

Ms. Cook's practice addresses complex insurance coverage disputes, including commercial general liability and transportation matters. In the Chancery Division of the Circuit Court of Cook County she managed a caseload and drafted judicial opinions on equitable matters. She also interned with the Wireline Competition Bureau of the Federal Communications Commission.
Marc S. Mayerson

Marc S. Mayerson

The Mayerson Firm PLLC

Marc S. Mayerson is the Principal of The Mayerson Firm PLLC in Washington, D.C., where he represents policyholders — businesses, nonprofits, directors, executives, and fiduciaries — in complex insurance coverage disputes. His practice reaches excess coverage and exhaustion, multi-layer insurance towers, directors and officers liability, and insurer bad faith, as well as asbestos, environmental cleanup, toxic tort, product liability, securities, ERISA fiduciary, employment practices, fidelity and dishonesty, first-party property, and business interruption claims. He also serves as an arbitrator, mediator, and expert in insurance matters.

Education & Credentials

Mr. Mayerson earned his Juris Doctor, magna cum laude, from Harvard Law School in 1986, where he was a member of the Harvard Law Review. He received his Bachelor of Arts from the University of Michigan in 1983 with Highest Distinction and High Honors, and was elected to Phi Beta Kappa. Following law school he served as a judicial clerk to the Honorable Stephen R. Reinhardt of the United States Court of Appeals for the Ninth Circuit.

Recognition & Leadership

Mr. Mayerson is an elected Fellow of the American College of Coverage Counsel. He has been listed in Chambers USA, The Best Lawyers in America, and Super Lawyers, was named a Leading Lawyer in insurance by Legal Times, and is recognized in the Experts’ Guide to the World’s Leading Insurance and Reinsurance Lawyers.

Professional Involvement

Mr. Mayerson co-edits the New Appleman Insurance Law Practice Guide, the most widely used practice guide in the field. He has written on the duty to defend, notice requirements, integrated risk programs, environmental recovery, contaminated food losses, cyber risk, and insurance bad faith, and previously authored the insurance law blog Insurance Scrawl. He has taught insurance law at Georgetown University Law Center and the George Washington University Law School, testified before a United States Senate subcommittee on insurance issues affecting charities and nonprofits, and provided expert testimony to the ERISA Advisory Council on fiduciary fidelity bonds.

Experience

Mr. Mayerson’s coverage practice centers on recovery under excess and umbrella layers, including disputes over exhaustion, attachment, and allocation across multi-layer insurance towers, and on directors and officers coverage for executives and fiduciaries. He serves as an AAA-certified commercial arbitrator and insurance coverage neutral, was certified as a Storm Sandy insurance mediator, and sits as an arbitrator on the District of Columbia Bar Attorney-Client Arbitration Board.

Credits by state

AK2.0
AL2.0
AR2.0
AZ2.0
CA2.0
CO2.0
CT2.0
DC2.0
DE2.0
FL2.0
GA2.0
HI2.0
IA2.0
ID2.0
IL2.0
IN2.0
KS2.0
KY2.0
LA2.0
MA2.0
MD2.0
ME2.0
MI2.0
MN2.0
MO2.4
MS2.0
MT2.0
NC2.0
ND2.0
NE2.0
NH120.0
NJ2.0
NM2.0
NV2.0
NY2.0
OH2.0
OK2.5
OR2.0
PA2.0
RI2.5
SC2.0
SD2.0
TN2.0
TX2.0
UT2.0
VA2.0
VT2.0
WA2.0
WI2.0
WV2.4
WY2.0

1000+

Live stream programs

24/7

Access to live webinars & recordings

70,000+

Trusted by Legal Professionals

1000+

Live stream programs

24/7

Access to live webinars & recordings

70,000+

Trusted by Legal Professionals

1000+

Live stream programs

24/7

Access to live webinars & recordings

10,000+

Trusted by Legal Professionals

1000+

Live stream programs

24/7

Access to live webinars & recordings

70,000+

Trusted by Legal Professionals

MCLE Credits

Alabama
Pending
Alaska
Approved
Arizona
Approved
Arkansas
Approved
California
Approved
Colorado
Pending
Connecticut
Approved
Delaware
Pending
District of Columbia
No Required
Florida
Approved
Georgia
Pending
Hawaii
Approved
Idaho
Pending
Illinois
Pending
Indiana
Pending
Iowa
Pending
Kansas
Pending
Kentucky
Pending
Louisiana
Pending
Maine
Pending
Maryland
No Required
Massachusetts
No Required
Michigan
No Required
Minnesota
Pending
Mississippi
Pending
Missouri
Approved
Montana
Pending
Nebraska
Pending
Nevada
Pending
New Hampshire
Approved
New Jersey
Approved
New Mexico
Approved
New York
Approved
North Carolina
Pending
North Dakota
Approved
Ohio
Pending
Oklahoma
Pending
Oregon
Pending
Pennsylvania
Approved
Rhode Island
Pending
South Carolina
Pending
South Dakota
No Required
Tennessee
Pending
Texas
Approved
Utah
Pending
Vermont
Approved
Virginia
Not Eligible
Washington
Approved
West Virginia
Pending
Wisconsin
Pending
Wyoming
Pending

Alabama

Requirements

The Alabama State Bar MCLE Commission requires attorneys to complete 12 credits, including 1 ethics, by December 31 of each year. All credits must be reported by February 15 of the following year. A maximum of 12 credits, including 1 ethics credit, may be carried over for 1 year only.  

Formats

  • Attorneys can earn unlimited “live” credit through live seminars, live webcasts, and co-sponsored locations with MyLAWCLE-Alabama approved programs
  • Attorneys are limited to 6 credits per compliance period of “online” programs through MyLAwCLE On-Demand programs