§ 147.007.Insurance Coverage Not Affected

A one-line insurance carve-out: the chapter does not affect the coverage or benefits of parties under a contract of insurance.

Insurance coverage for date failures was one of the largest open questions of the period, and it was being fought on both sides: whether general liability policies covered the losses, and whether insurers could exclude them prospectively.

This section keeps the chapter out of that argument entirely. Whether a policy responds is decided by the policy and by insurance law, not by a statute limiting the underlying liability.

The distinction is worth drawing out. The chapter caps what a claimant may recover from a defendant. It says nothing about what an insurer owes its insured — which may be more or less, and turns on entirely different documents.

"Coverage or benefits" covers both halves of an insurance dispute: whether the policy responds at all, and what it pays if it does.

"Of parties" is broad enough to reach both sides, so neither an insured nor an insurer can invoke the chapter to improve its position in a coverage dispute.

The provision belongs with its two neighbours on immunity and sovereign immunity — three short sections marking off areas the chapter deliberately leaves alone.