Events - Event View

7:30 a.m. – 8:45 a.m.

REGISTRATION AND CONTINENTAL BREAKFAST

8:45 a.m. – 9:00 a.m.

WELCOME AND PRESENTATION OF THE LEADERSHIP IN ACTION AWARD

9:00 a.m. – 9:45 a.m.

revisiting discovery of loss and termination

Discovery and termination are core principles in financial institution bonds and commercial crime policies. Discovery begins the insured’s obligation to provide notice and a proof of loss, and it sets a limit on when the insured can file suit in the event of a coverage dispute. What exactly constitutes discovery, however, depends on the specific facts, circumstances, and applicable law. Termination is an important related concept which is essential to coverage as it shifts the risk of a known dishonest employee back to the insured. This presentation will discuss these important foundational principles and how these concepts are applied to allocate responsibilities and risks between the insurer and insured.

9:45 a.m. – 10:30 a.m.

ACCOUNT TAKEOVER FRAUD

This panel explores the increasingly common types of account takeover fraud including how they are executed. They also discuss how these schemes can potentially implicate multiple insuring agreements, exclusions, and provide insight on evaluating these issues. Finally, the panel breaks down the direct causation issues created by account takeover fraud including where the insured is a financial institution.

Kyle McConnell, Kaufman Dolowich
Alison Kowal, Old Republic

10:30 a.m. – 10:45 a.m.

employee fraud: THE INTERSECTION OF COVERED PROPERTY AND CAUSATION IN THE CONTEXT OF EMPLOYEE THEFT CLAIMS

The panel will discuss the nuances arising from complicated theft schemes, highlighted by recent cases, including an evaluation of issues such as what is required for a “taking,” causation as impacted by the ownership provision, and the meaning of property.

Michael Keeley, Clark Hill 
Ted Lansdale, Travelers
Holly Naehritz, Clark Hill

MORNING BREAK

11:30 a.m. – 12:30 p.m.

KEYNOTE SPEAKER: EMERGING ISSUES AND AI

AI isn’t only changing the nature of work—it’s changing the nature of risk. AI and the autonomous agents it enables may drive efficiencies but may also lead to challenging and novel loss scenarios. This keynote will address how AI and agentic AI platforms may potentially impact Fidelity Insurance—from AI’s capacity to influence fraud to the evolving role of humans in managing AI risk.

12:30 p.m. – 2:00 p.m.

LUNCH BREAK (ON YOUR OWN)

2:00 p.m. – 2:45 p.m.

ETHICS OF AI RECORDING

The panel examines the ethical and legal implications of emerging AI-driven recording technologies within insurance claims handling. Modern communication platforms now generate transcripts, summaries, and analytical insights automatically, often blurring the line between intentional recording and ambient data capture. These capabilities raise significant concerns regarding privacy, consent, data retention, and the accuracy of AI-produced materials. The panel explores how fair claims handling statutes interact with AI transcription, evaluates the challenges posed when insureds, brokers, attorneys, and other representatives request or employ AI-based recording tools, as well as the grounds on which insurers, TPAs, and vendors may refuse such recordings. The goal is to clarify how AI recording reshapes longstanding norms in claims communication and regulatory compliance.

Ayanna Mishoe Brooker, Liberty Mutual
Michael P. Adams, Hinshaw & Culbertson LLP
Dee Studler, SDC CPAs, LLC

2:45 p.m. – 3:30 p.m.

INSURING AGREEMENT (e): eNUMERATED dOCUMENTS

This panel focuses on the threshold requirement that the insured must rely upon an original document that falls within one of the enumerated documents listed to invoke coverage under Insuring Agreement (E).  First, they’ll examine the history and purpose of Insuring Agreement (E) coverage, the explicit requirement that it must involve a covered enumerated document and the appropriate interpretation of the specific definitions and language used for each of the listed enumerated documents in the Financial Institution Bond, Standard Form No. 24.  Next, the panel analyzes the coverage steps to evaluate whether there is coverage for an insured’s claimed enumerated document.  Finally, the panel explores the impact of the threshold enumerated document requirement on current Insuring Agreement (E) claims and claims under the commercial crime policy involving “securities”.

Eric Eusanio, Frenkel Lambert Weiss
Dolores Parr, SDC CPAs

3:30 p.m. – 3:45 p.m.

AFTERNOON BREAK

3:45 p.m. – 4:20 p.m.

OTHER INSURANCE: LIABILITY HOT POTATO IN COVERAGE DISPUTES

This panel explores the role of “other insurance” provisions in allocating liability when multiple policies cover the same loss. Focusing on the three primary clause types (excess, escape, and pro rata), the authors explain how these provisions are intended to establish priority and share responsibility among insurers, yet frequently lead to disputes when competing clauses conflict. The panel also examines how courts determine which provisions apply, the concept of “mutually repugnant” clauses, and the varying judicial approaches used to resolve these conflicts across jurisdictions, including in the fidelity context. The panel concludes with practical guidance for navigating these disputes, offering strategies for identifying applicable coverage, coordinating with other insurers, and effectively managing allocation issues in real-world claims.

J. Caralisa Connell, Dry Law PLLC
Austin Brakebill, Great American Insurance Company

4:20 p.m. – 5:00 p.m.

Fidelity Law Update

This panel reviews key fidelity bond and commercial crime insurance decisions published from July 2025, through April 2026, highlighting developments in social engineering fraud, employee theft and dishonesty coverage, forgery claims, occurrence disputes, and coverage litigation. The discussion offers practical insight into recent court ruling shaping coverage.

5:00 p.m. – 5:05 p.m.

Celebratory Send-Off

5:05 p.m. – 5:10 p.m.

Closing Remarks

5:30 p.m. – 6:30 p.m.

Joint Reception — FLA & FSLC