Orion180 Insurance has launched its FLEX homeowners insurance coverage in Colorado.
FLEX Home Insurance is designed to give homeowners greater control over how they protect their property, allowing them to tailor coverage to fit their individual risk tolerance and budget.
The product is powered by a hail and wildfire risk model built specifically for Colorado. The co
mpany’s underwriting and rating engine evaluates individual property characteristics to reflect actual risk exposure.
Coverage A limits are available from $300,000 up to $2 million. Policyholders can select optional perils including wind, hail, tornado, and named storm coverage, as well as a variety of deductible and co-pay options.
Additional features for the product in Colorado include:
Multiple roof coverage options, including replacement cost value, actual cash value and roof limit selections
Deductibles ranging from $2,500 or 1% up to $100,000 or 10%
Optional co-pay feature
Excludable coverages including loss of use, personal liability and medical payments
Orion180 is a technology-driven insurance provider offering property insurance, flood coverage and other products and services. Operating as a full-stack carrier, the company partners with independent agents.
Google’s YouTube has settled a lawsuit brought by a minor who claimed the platform d
amaged his mental health, his lawyers said Tuesday, ahead of a second California trial over social media’s role in the youth mental health crisis.
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The terms of the settlement of the state court lawsuit were confidential, the lawyers said on Tuesday. The suit named four defendants — YouTube, Meta’s
Instagram, Snap Inc’s Snapchat and ByteDance’s TikTok — and the remaining three companies are still set to face trial in July.
Google spokesperson Jose Castaneda said in a statement that the lawsuit had been amicably res
olved. “Our focus remains on building age-appropriate products and parental controls that deliver on that promise,” Castaneda said.
John Morgan and Emily Jeffcott, attorneys for the plaintiff, known by his initials R.K.C., said in a statement: “YouTube’s decision to resolve this case before having to face a jury speaks for itself.”
“We will continue fighting on behalf of all those affected by social media addiction to bring these companies to justice and compel them to prioritize the safety of their
young users over their bottom lines.”
R.K.C., a 15-year-old boy from Florida, said he started using social media when he was about eight, according to court filings. He became addicted to it, los
ing sleep and suffering from depression and anxiety, according to the filings.
R.K.C.’s lawsuit is set to be the second trial in California state court testing claims by individuals who say they were harmed by social media platforms deliberately designed to be addictive. The trial is scheduled to kick off July 27.
Thousands of Cases Remain
More than 3,300 lawsuits involving addiction claims against social media companies are pending in Ca
lifornia state court. Another 2,600 cases brought by individuals, school districts, municipalities and states are pending in California federal court.
The companies have denied the allegations and say they take extensive steps to keep teens and young users safe on their platforms.
The first trial, which ended in March, was in the case of a woman who said she became addicted to Y
ouTube and Meta’s Instagram at a young age because of their attention-grabbing design. A jury found the companies negligent and ordered Meta to pay $4.2 million in damages and Google to pay $1.8 million. Earlier this month, the judge rejected the companies’ bid to set aside that verdict.
