Coverage at Stake
- $2 millionfor directors and officers
- $2 millionfor employment practices and third-party liability
If Harco prevails, Baldoni and Wayfarer face not only the costs of litigation with Lively but also the risk of losing millions in policy-backed indemnity.
Blake Lively’s decision to take her claims public triggered a cascade of legal actions:
- Lively’s lawyers, in November 2023, emailed Wayfarer to formally raise harassment complaints, a move Harco says should have been disclosed immediately.
- Lively alleges Baldoni and his team retaliated, damaging her reputation and professional relationships.
- Baldoni and Wayfarer countered that Lively and Ryan Reynolds orchestrated a campaign to defame Baldoni for speaking up.
Why the Insurer’s Lawsuit Matters Now
Harco’s action—seeking a declaratory judgment—could force Wayfarer to cover a six- or seven-figure legal bill without help. In June, Harco wrote a denial letter, citing “circumstances that may wholly or partially limit coverage,” and pointing out Wayfarer’s renewal paperwork failed to disclose the “known situation” with Lively.
If the insurer’s stance is upheld, other studios and filmmakers may face much stricter scrutiny and less generous policy terms moving forward.
If Harco’s lawsuit succeeds, expect to see new best practices—and much tougher insurance applications—across Hollywood and beyond.
For more:
🦅 Follow USA Herald on X @RealUSAHerald
