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Advanced Analytical Insights into a Changing World of Insurance Coverage Disputes

October 14, 2025 (3 min read)

In This Article

Available now, the Lex Machina® 2025 Insurance Litigation Report provides law offices with powerful data and exclusive insights into the modern landscape of coverage lawsuits in U.S. federal courts.

Request your copy of the Lex Machina 2025 Insurance Litigation Report here. 

“Insurance litigation saw several pandemic-related spikes in 2021 and 2022 as certain types of coverage were in the spotlight. As we move further away from those years, different patterns are emerging with respect to the types of coverage that are the subject of litigation in the federal courts,” said Ron Porter, Lex Machina Practice Lead for Insurance Litigation Analytics.

Indeed, litigation trends in federal courts for 2022 through 2025 reveal a changing world of coverage disputes, resembling neither early Covid-19 years nor the preceding period in important ways.

  • Rise in Business Liability Coverage Disputes: Lawsuits concerning businesses' liability coverage increased sharply each year from 2021 to 2024, following a long period of stability. In 2024, over 3,000 business liability coverage lawsuits were initiated in federal district courts, more than in any year since 2010.
  • Staying Power of Business Interruption Claims: Lawsuits seeking coverage under business interruption policies persist on the federal court scene even as such claims based on Covid-19 closures have passed their limitations periods. In 2024, more than 650 business-interruption coverage lawsuits were filed, a figure over 50% higher than any year from 2009 to 2019.
  • Homeowners Policy Coverage Disputes are Climbing, Independent of Hurricanes: Excluding cases related to hurricanes, homeowner policy insurance cases became significantly more frequent each year from 2018 through 2024. In 2024, over 3,500 such lawsuits were launched in federal district courts – more than in any other year since at least 2009.

 

Impactful Data for Legal Professionals, Insurance, Marketing, Research, and More

“The Insurance Litigation Report offers a detailed and comprehensive analysis of the trends influencing insurance litigation in federal courts,” said Sue Zago, Law Library Director and Professor of Law at the University of New Hampshire Franklin Pierce School of Law. “Utilizing the power of Lex Machina, this report provides an extensive dataset that enables lawyers to monitor trends among leading law firms and judges in areas such as general insurance, business liability, business interruption, hurricane-related claims, homeowners policies, and life insurance policies.”

Lex Machina, the LexisNexis® Legal Analytics® platform, empowers legal professionals to make data-informed decisions for claim assessment, venue selection, motion strategy, settlement negotiations, trial tactics, business development, lateral hiring, and more. We provide companies and law firms with advanced intelligence on case outcomes in federal courts and over 100 state trial courts, along with the experience metrics that make each judge, attorney, and party unique. Lex Machina gives law offices a competitive edge against peer firms for dispute-resolution strategy and business development.

“Lex Machina gives us the ability to understand how our judge will likely rule. We look at the past motions the judge has granted or denied, and we look into their reasoning behind them,” said attorney Jas Jordan. “It puts us in a better position to predict the possible outcome for our motion.”

In a 2025 survey of law firm attorneys and professional staff, over 95% of respondents agreed that analytics are valuable to their practices. Seven of ten professionals reported that clients now expect them to use litigation analytics while working on their matters.

What’s stopping your law office? Get a complimentary short demonstration and customized analytical report.

FAQs

What does the Lex Machina 2025 Insurance Litigation Report cover?
It analyzes U.S. federal court data on insurance litigation trends, including business liability, business interruption, homeowner, hurricane-related, and life insurance policies.

Why are business liability disputes increasing?
Post-pandemic risk reassessment and complex corporate coverage structures have contributed to the rise in liability coverage lawsuits.

Are business interruption claims still relevant after COVID-19?
Yes. While pandemic-specific cases have declined, disputes over general business interruption clauses remain active.

How can law firms use Lex Machina for insurance litigation?
Lex Machina provides analytics on case outcomes, judge behavior, and firm activity to guide litigation strategy and client service.

Where can I access the full report?
You can request your copy of the Lex Machina 2025 Insurance Litigation Report here.

 

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