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Historically, courts have been loathe to find copyright infringement in insurance policies as well as many other commercial works (particularly business forms) unless there is a "striking" or "substantial" similarity between two policies. On January 11, 2006, however, the United States District Court for the Northern District of Georgia issued a summary judgment and preliminary injunction ruling in American Family Life Insurance Co. of Columbus v. Assurant, Inc., which may have changed forever the way insurers look at their policies in terms of copyright law.
American Family Life Insurance Company of Columbus (AFLAC) had produced four supplemental insurance policies-cancer indemnity insurance, hospital confinement indemnity insurance, hospital confinement sickness indemnity insurance and an accident-only policy-in a "narrative" style meant to be easier for laypersons to digest than the traditional legalese employed by most insurance companies. It took approximately eight to nine months for AFLAC to transform the style of existing policies into the narrative style. Once completed, AFLAC registered the policies with the United States Copyright Office.
Some time later, Assurant, Inc., Fortis Insurance.
