Insurance Coverage Allocation: What Is it and How Does it Work?

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Price

$110.50 for IndyBar Member
$220.50 for Non-Member

110 minutes

Date Published

December 18, 2025

Publisher

Indianapolis Bar Association

Subjects

Insurance Coverage

Questions

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Summary

Insurance allocation continues to raise intricate issues—especially as jurisdictions differ in how they interpret similar policy language. This video provides an understanding of current allocation frameworks and why they matter in today’s insurance landscape.

Featuring: Allison Harriman, Stout Risius Ross LLC; Sean Hirstchen, Plews Shadley Racher & Braun LLP; Kelsey Dilday Miller, Barnes & Thornburg LLP

Key Takeaways:

What pro rata allocation means and how to implement it
Thomson Inc. v. Ins. Co., 11 N.E.3d 982 (Ind. Ct. App. 2014), and Indiana’s adoption of pro rata allocation under Commercial General Liability policies
How other jurisdictions' different use of similar rules leads to major coverage impacts
How allocation methods directly impact insurers' indemnity obligations and policyholders' recoveries
Common allocation approaches for defense and indemnity coverage

INS12182025W

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Program Titles and Supporting Materials

This program contains the following components:

Media Files

Video Link

Downloadable Files

Materials

Credit

If applicable, you may obtain credit in multiple jurisdictions simultaneously for this program (see pending/approved list below). If electing credit for this program, registrants in jurisdictions not listed below will receive a Certificate of Completion that may or may not meet credit requirements in other jurisdictions. Where applicable, credit will be only awarded to a paid registrant completing all the requirements of the program as determined by the selected accreditation authority.

How to Attend

Join the self-paced program from your office, home, or hotel room using a computer and high speed internet connection. You may start and stop the program at your convenience, continue where you left off, and review supporting materials as often as you like. Please note: Internet Explorer is no longer a supported browser. We recommend using Google Chrome, Mozilla Firefox or Safari for best results.

Technical Requirements
You may access this course on a computer or mobile device with high speed internet (iPhones require iOS 10 or higher). Recommended browsers are Google Chrome or Mozilla Firefox.

Insurance Coverage Allocation: What Is it and How Does it Work?

Price

110 minutes

Date Published

Publisher

Subjects

Questions

Summary

Program Titles and Supporting Materials

Media Files

Downloadable Files

Credit

How to Attend

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