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Great American seeks ruling it owes no coverage for fake fraud email suits
The insurer filed its request on September 28, 2026, and is also asking to recoup defense costs it paid while defending the luggage and haircare brands under a reservation of rights.
Insurance Business reports that Great American E & S Insurance Company and Great American Risk Solutions Surplus Lines Insurance Company are asking a federal court to confirm they do not have a duty to defend or cover lawsuits tied to email promotions that allegedly used urgent-sounding “fraud alert” language.
According to the outlet, the emails at issue were allegedly sent by luggage brand Beis, with the subject line reading “Action required: fraud alert,” which customers reportedly opened in a panic despite there being no fraud and no required action.
Insurance Business also said Beis’s conduct led to five proposed class actions filed in Washington, Indiana, and Maryland, and a sixth suit targeted Pattern Beauty, a related haircare brand, over what the underlying plaintiffs describe as a recurring promotional approach using urgent-sounding subject lines.
The outlet said the brands were insured under commercial general liability policies issued by Great American, the insurer agreed to defend under a reservation of rights, and Great American filed a complaint on September 28, 2026 in the Central District of California seeking a coverage and defense-money decision across all six underlying suits.