This Simpson Thacher & Bartlett LLP memorandum discusses court decisions on applying pollution exclusions in non-traditional contexts, coverage under an additional insured provision, and the filed rate doctrine. It also analyzes rulings related to oral settlement agreements, subrogation to obtain a pro rata allocation of defense and settlement costs from a co-insurer, attorney-client privilege, and the meaning of the terms "accident" and "occurrence" in claims involving intentional crimes and faulty workmanship, respectively.