--- title: Coverage Denial for The Guilty description: When your dealing with a civil case, most carriers won’t cover a client if they’ve been proven guilty in a criminal case. image: https://blog.axisins.com/hubfs/Stock%20images/Hand%20about%20to%20bang%20gavel%20on%20sounding%20block%20in%20the%20court%20room.jpeg --- [![AxisInsurance](https://blog.axisins.com/hubfs/files_2023/logo.png)](https://www.axisins.com/) Connect with us Call us Today [(201) 847-9175](tel:2018479175) [(877) 787-5258](tel:8777875258) - - About Axis - [Our Approach](https://www.axisins.com/about-us/) - [Our Team](https://www.axisins.com/our-team/) - [Testimonials](https://www.axisins.com/testimonials/) - [Case Studies](https://www.axisins.com/case-studies/) - [News & Events](https://blog.axisins.com/tag/news-and-events) - [Careers](https://www.axisins.com/job-opportunities/) - Product Lines - [Overview](https://www.axisins.com/products/) - [On-line Quoting](https://www.axisins.com/products/on-line-quoting/) - [Surety Bonds](https://www.axisins.com/products/surety-bonds/) - 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[Subscribe To Our Blog](https://share.hsforms.com/18qZLml0MTSqtYWBFqQFAGA35dv4?__hstc=172306556.605fbd816f522e1de3e9428cb969d5b4.1580877711545.1580973215492.1580978435349.10&__hssc=172306556.3.1580978435349&__hsfp=1035641285) # Coverage Denial for The Guilty November 15, 2019 ![](https://blog.axisins.com/hubfs/Stock%20images/Hand%20about%20to%20bang%20gavel%20on%20sounding%20block%20in%20the%20court%20room.jpeg) Drew Smith ![Hand about to bang gavel on sounding block in the court room](https://blog.axisins.com/hs-fs/hubfs/Stock%20images/Hand%20about%20to%20bang%20gavel%20on%20sounding%20block%20in%20the%20court%20room.jpeg?width=1000&name=Hand%20about%20to%20bang%20gavel%20on%20sounding%20block%20in%20the%20court%20room.jpeg)When shopping for insurance coverage, it is important to disclose everything that a company or individual has done. That way when a lawsuit happens, you will be covered correctly. Failure to disclose a previous crime can end up voiding a coverage. If a company or an employee was found to be guilty of a crime and has been less than truthful in disclosing it, an insurance carrier is well within their rights to deny the coverage outright. In the court case *Nat’l* *Fire & Marine Ins. Co. v. Holper,* the insurer sued the doctor in charge of their client for wrongful death following an overdose. While it was going on, the doctor plead guilty in Nevada to drug trafficking charges. The insurer started proceedings to deny coverage based on the line “any willful violation of any law, statute or regulation”[\[1\]](https://blog.axisins.com/coverage-denial-for-the-guilty#_ftn1) The courts ruled that they could do this and as a result his insurance would not cover the civil suit. When your talking about a civil case, most carriers won’t cover a client, if they’ve been proven guilty in a criminal case. As a result, these coverages will be denied or lessened to prevent risk to the insurer. Make sure that both sides know what they’re getting into before coverage is signed.   [\[1\]](https://blog.axisins.com/coverage-denial-for-the-guilty#_ftnref1)[https://professionalliabilitymatters.com/2019/11/04/no-coverage-for-the-guilty/](https://professionalliabilitymatters.com/2019/11/04/no-coverage-for-the-guilty/) [With Legal Cannabis on the Rise, Be Aware of These Potential Workplace Issues](https://blog.axisins.com/with-legal-cannabis-on-the-rise-be-aware-of-these-potential-workplace-issues) [The State of Opioids in the Workplace in 2019](https://blog.axisins.com/the-state-of-opioids-in-the-workplace-in-2019) Search ### Share this post [![Share on facebook](https://7528309.fs1.hubspotusercontent-na1.net/hub/7528309/hubfs/raw_assets/public/mV0_d-web-default-modules_hubspot/img/facebook-color.png?width=24&name=facebook-color.png)](http://www.facebook.com/share.php?u=https%3A%2F%2Fblog.axisins.com%2Fcoverage-denial-for-the-guilty%3Futm_medium%3Dsocial%26utm_source%3Dfacebook) [![Share on linkedin](https://7528302.fs1.hubspotusercontent-na1.net/hub/7528302/hubfs/raw_assets/public/mV0_d-web-default-modules_hubspot/img/linkedin-color.png?width=24&name=linkedin-color.png)](http://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fblog.axisins.com%2Fcoverage-denial-for-the-guilty%3Futm_medium%3Dsocial%26utm_source%3Dlinkedin) [![Share on twitter](https://7528302.fs1.hubspotusercontent-na1.net/hub/7528302/hubfs/raw_assets/public/mV0_d-web-default-modules_hubspot/img/x-twitter-color.png?width=24&name=x-twitter-color.png)](https://twitter.com/intent/tweet?original_referer=https%3A%2F%2Fblog.axisins.com%2Fcoverage-denial-for-the-guilty%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&url=https%3A%2F%2Fblog.axisins.com%2Fcoverage-denial-for-the-guilty%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&source=tweetbutton&text=) [![Share on email](https://7528311.fs1.hubspotusercontent-na1.net/hub/7528311/hubfs/raw_assets/public/mV0_d-web-default-modules_hubspot/img/email-color.png?width=24&name=email-color.png)](mailto:?subject=Check%20out%20https%3A%2F%2Fblog.axisins.com%2Fcoverage-denial-for-the-guilty%3Futm_medium%3Dsocial%26utm_source%3Demail%20&body=Check%20out%20https%3A%2F%2Fblog.axisins.com%2Fcoverage-denial-for-the-guilty%3Futm_medium%3Dsocial%26utm_source%3Demail) ### Recent Posts ### Categories - [E&O (19)](https://blog.axisins.com/tag/eo) - [Cannabis (11)](https://blog.axisins.com/tag/cannabis) - [Company News (1)](https://blog.axisins.com/tag/company-news) ![AxisInsurance](https://blog.axisins.com/hubfs/files_2023/art2.png) ### Connect to Our Cyber Hotline & Resources [Connect](https://www.axisins.com/products/cyber-liability-privacy-network-security/cyber-hotline-resources/) Please see our [Privacy Policy](https://www.axisins.com/privacy-policy) to understand how Axis Insurance Services handles your personal information. 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