⚖ Oral Arguments, with Context

An online summer-camp photo gallery used facial recognition to help parents find pictures of their children. A class action accused its operator, Ackercamps, of collecting children's face geometry without meeting Illinois's Biometric Information Privacy Act, or BIPA. The law covers face-geometry scans but excludes photographs themselves. After defending and settling that suit, Ackercamps asked Phoenix and other Travelers insurers to pay. They refused, and a district judge ruled they had no duty to defend or reimburse it. The policies cover some injuries from publishing a person's photograph or likeness, but exclude injuries arising from access to or disclosure of personal information. The appeal asks whether that exclusion bars coverage here and whether it turns the promised photo-or-likeness protection into illusory coverage, an empty promise.

Phoenix Insurance Company v. Ackercamps.com, LLC (No. 25-2972) — U.S. Court of Appeals for the Seventh Circuit, argued September 14, 2026.