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Tom Judge has more than 20 years’ experience analyzing and litigating insurance coverage and bad faith claims. He represents numerous insurance companies on a national basis often handling their most sensitive, complex and large exposure/strategic matters. First and foremost, Tom is a litigator, obtaining exceptional results for clients in court (trial and appellate), arbitration, and mediation. As reported by Chambers USA, Tom is a “‘results-driven attorney who does an amazing job on settlement and litigation.’”

Tom specializes in professional liability matters, addressing claims against corporate managers, financial institutions, investment advisors, health care companies, technology companies, attorneys, accountants, insurance brokers, and real estate agents amongst others. As monitoring counsel, Tom assists defense counsel in developing strategies for the most efficient resolution of claims and in preparing the highest quality pleadings and motion papers. Defending high-exposure bad faith cases, Tom’s experience crosses all lines of insurance, including general liability, municipal liability, auto/trucking, and property. Tom also directly represents and defends professionals, including directors, officers, lawyers, accountants, and brokers.

 

South Carolina Court Of Appeals Rules Endorsement Covering Theft Did Not Cover Loss Of Money Unwittingly Wired To Hacker
Speights v. Chubb Ltd., No. 2026-UP-194, 2026 S.C. App. Unpub. LEXIS 205 (S.C. Ct. App. Apr. 29, 2026).

An insured attorney filed a claim with the firm’s insurer after a bookkeeper wired money to a hacker posing as the attorney, resulting in a $250,000 loss. After the insurer denied coverage for the loss, the insured sued for negligence, breach of contract, and breach of the implied covenant of good faith and fair dealing. The coverage dispute centered around a Money and Securities endorsement, which covered theft and stealing; a Forgery and Alteration endorsement, which covered forgery or alteration of checks, drafts, and promissory notes; and a false pretenses exclusion on the policy form, which barred coverage for “voluntarily parting” with property under false pretenses or fraudulent inducement. The court found the Forgery and Alteration endorsement inapplicable because the emails were demands for money and not a promise to pay. The court ruled that the false pretenses exclusion did not conflict with the Money and Securities endorsement because the latter expressly incorporated the exclusions listed in the policy form. The court also found the exclusion’s “voluntarily parting” language unambiguous, reasoning that the bookkeeper intended to wire the money and voluntarily did so, even if she did not intend to send the money to a hacker. Read the decision.

Continue Reading Insurance Bad Faith Report, July 2026

Delaware state and federal courts have issued several important rulings on allocation under D&O insurance policies. Most recently, in SSC Technologies Holdings, Inc. v. Endurance Assurance Corp., No. N20C-01-088 EMD CCLD, 2022 Del. Super. LEXIS 164 (Del. Super., April 26, 2022) (Davis, J.), the court declined to apply the “larger settlement rule” for allocation when there are covered and uncovered matters.
Continue Reading Recent Rulings in Delaware Courts on Allocation Under D&O Policies

The fallout from the Illinois Supreme Court’s January 25, 2019, opinion in Rosenbach v. Six Flags Entertainment Corp., 19 IL 12316, continues. Rosenbach settled the dispute of who qualifies as an “aggrieved person” under the Illinois Biometric Information Privacy Act (“BIPA”), and in doing so opened the floodgates for this litigation to proliferate. The immediate result was a sharp increase in the filing of BIPA class actions as well as the lifting of stays of the numerous cases pending that were awaiting the Rosenbach ruling.
Continue Reading All Stop: Ruling on the Applicability of Exclusion to BIPA Claims Delayed