William Smith and Jeanie Feeney-Smith v. Dawn McCarthy and Security Union Title Insurance Company

**Workers Lose Insurance Coverage Dispute Against Former Employer** William Smith and Jeanie Feeney-Smith sued their former employer, Security Union Title Insurance Company, along with Dawn McCarthy, over what appears to be a breach of contract dispute. The workers likely expected their employer's insurance policy to cover legal costs or provide other protections, but the insurance company refused to help them. The court ruled against the workers on all counts. The judge found that Security Union's insurance policy contained valid exceptions that allowed the company to avoid defending the workers in their legal case. The court also denied the workers' request to have McCarthy pay their attorney's fees. When the workers appealed to a higher court, that court agreed with the original decision. **What This Means for Workers:** This case shows how employer insurance policies can have exceptions that leave workers without coverage when they need it most. Workers should carefully review any insurance benefits or legal protections their employers claim to provide, as these policies often contain fine print that can eliminate coverage in certain situations. If facing a legal dispute with your employer, don't assume their insurance will cover your costs – the policy terms may work against you.