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Insurance Policy with Exclusion Clauses Highlighted
Insurance Coverage Insurance Fundamentals
Insurance Policies Insurance Terms and Definitions

What is an insurance policy exclusion?

March 26, 2026 • By Jack Gilbert
An insurance policy exclusion is a written provision that removes coverage for certain risks, losses, or circumstances, meaning the insurer pays $0 for excluded claims. Exclusions set the boundaries of what your policy covers and are listed in the declarations, forms, or endorsement sections. This article explains common exclusions, how to find them, and what […]
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Insurance Claim Subrogation Process Diagram
Insurance and Subrogation Insurance Claims
Insurance Law

What is subrogation?

March 26, 2026 • By Jack Gilbert
Subrogation is when your insurance company takes over your right to recover money from the at-fault party after it pays your claim. It helps insurers recoup payouts, which can reduce overall premium costs and may reimburse your deductible. This article explains how subrogation works, common examples, and what it means for your claim. Subrogation is […]
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Insurance Bad Faith Claim Document with Gavel
Insurance and Coverage Insurance Claims
Insurance Law

What is insurance bad faith?

March 26, 2026 • By Jack Gilbert
Insurance bad faith is when an insurer unreasonably delays, denies, or underpays a valid claim, or fails to properly investigate and communicate. It can include missing legal deadlines, ignoring evidence, misrepresenting policy terms, or using unfair tactics to pressure a low settlement. This article explains common bad-faith behaviors, how to recognize warning signs, what evidence […]
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Terms of Service Agreement Document with Checkboxes
Contract Law Digital Agreements
Legal Agreements & Contracts

What is a terms of service agreement?

March 26, 2026 • By Jack Gilbert
A terms of service agreement is a legally binding contract that sets the rules, rights, and responsibilities for using a website, app, or online service. It helps limit liability, protect intellectual property, and outline acceptable use, payments, and dispute resolution. This article explains what a terms of service includes, why businesses need one, and how […]
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Electronic Discovery Process with Digital Documents
Digital Evidence Evidence Law & Discovery
Legal Procedures and Litigation

What is electronic discovery?

March 26, 2026 • By Jack Gilbert
Electronic discovery (eDiscovery) is the process of identifying, collecting, preserving, reviewing, and producing electronically stored information (ESI) for litigation, investigations, or compliance. It covers digital data like emails, texts, documents, cloud files, and social media, often under strict deadlines and court rules such as the Federal Rules of Civil Procedure. This article explains what eDiscovery […]
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Cybersquatting Concept with Domain Names and Lock Icon
Domain Name Disputes Internet Law & Cybersquatting
Trademark Law

What is cybersquatting?

March 26, 2026 • By Jack Gilbert
Cybersquatting is when someone registers, uses, or sells a domain name that’s identical or confusingly similar to a trademark—typically in bad faith—to profit or mislead consumers. It can divert web traffic, damage brand reputation, and expose the registrant to claims under the U.S. Anti-Cybersquatting Consumer Protection Act (ACPA) or ICANN’s UDRP process. This article explains […]
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Person Typing on Laptop with Speech Bubble Icons
Defamation Law Digital Rights & Free Speech
Internet Law

What is online defamation?

March 26, 2026 • By Jack Gilbert
Online defamation is a false statement of fact posted on the internet that harms someone’s reputation and may create legal liability under libel laws. Unlike opinions, defamatory posts—such as accusations of criminal conduct or professional misconduct—can be actionable when published to others and cause reputational or financial damage. This article explains the legal definition, common […]
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Digital Privacy Law Concept with Data Protection Icons
Data Privacy Law Digital Privacy Law
Privacy Law

What is digital privacy law?

March 26, 2026 • By Jack Gilbert
Digital privacy law is the set of rules that governs how organizations collect, use, share, secure, and delete personal data. In the U.S., it comes from a patchwork of federal and state statutes—such as the CCPA/CPRA in California—along with sector-specific regulations and enforcement by agencies and courts. This article explains what counts as personal data, […]
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Digital Security Concept with Padlock and Circuit Patterns
Computer Security Cyber Law
Cybercrime

What is the Computer Fraud and Abuse Act?

March 26, 2026 • By Jack Gilbert
The Computer Fraud and Abuse Act (CFAA) is a U.S. federal anti-hacking law enacted in 1986 that criminalizes unauthorized access to protected computers and allows civil lawsuits in certain cases. It’s widely used in cases involving data theft, credential misuse, and accessing systems “without authorization” or by “exceeding authorized access,” though courts differ on how […]
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Ccpa Compliance Guide with Privacy Shield and Checkmarks
California Law Consumer Privacy
Data Privacy

What is CCPA?

March 26, 2026 • By Jack Gilbert
The California Consumer Privacy Act (CCPA) is a state privacy law that gives California residents rights to know, access, delete, and opt out of the sale or sharing of their personal information. It applies to many for-profit businesses that collect Californians’ data and meet certain revenue or data-volume thresholds, with enforcement by the California Privacy […]
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