Here, Hinshaw reports a NJ attorney who lost legal malpractice coverage for failure to report. Court found that it should have known, subjectively that notice to the insurer was due. NY has similar cases, for example, Cass v. American Guarantee in which the law firm should have given notice. As determined by Justice Tolub , any reasonable attorney would have known that a malpractice case was on the way, after the worker compensation case was dismised.