If a lawsuit was filed against your business today for activities that happened years ago, would you be able to prove that you had insurance?  What if U.S. EPA or your state environmental agency demanded immediate action?  If you incurred any costs to respond to the agencies before putting your insurers on notice, would you be able to recover those costs from your insurers?  The Indiana Court of Appeals just rejected a lawsuit seeking reimbursement of pre-notice, pre-tender defense costs.  You can read about the case, why is it vitally important to locate your business’ old insurance policies, and who may likely bear the brunt of this decision here.