AL-Adjusters Commercial Liability Part 2
Lessons
AL-Adjusters Commercial Liability Part 2 Chapter 1
AL-Adjusters Commercial Liability Part 2 Chapter 2
CGL Trigger Most CGL policies are written with an occurrence coverage trigger. This means that the policy’s Coverage A applies with respect to bodily injury and property damage that occurs…
AL-Adjusters Commercial Liability Part 2 Chapter 3
Borel v. Fibreboard Corporation and Exposure theory In 1969, Clarence Borel asked Ward Stephenson, an attorney in Orange, Texas, to bring suit against eleven asbestos manufacturers. Borel v. Fibreboard Paper…
AL-Adjusters Commercial Liability Part 2 Chapter 4
The Manifestation Theory Some courts voiced objections to the underlying assumption of the exposure theory that injury takes place as soon as exposures to harmful conditions occur. These courts viewed…
AL-Adjusters Commercial Liability Part 2 Chapter 5
Personal and Advertising Injury (CGL, Coverage B) Coverage B gives personal and advertising injury liability coverage. A broad range of offenses are covered which are not bodily injury or damage to…
AL-Adjusters Commercial Liability Part 2 Chapter 6
The Coverage B Insuring Agreement CGL Coverage B expands the scope of the policy beyond bodily injury and property damage to insure personal and advertising injury liability. The personal and…
AL-Adjusters Commercial Liability Part 2 Chapter 7
Advertising Liability Coverage The growing strategic importance and economic value of intellectual property (“IP”) dictate that companies large and small devote considerable effort to ensuring that these vital assets are…
AL-Adjusters Commercial Liability Part 2 Chapter 8
CASE STUDY – Parish of Christ v. Church Ins. Co. In Parish of Christ Church v. Church Ins. Co., 166 F.3d 419 (1st Cir.1999), a church parish sought insurance coverage…
AL-Adjusters Commercial Liability Part 2 Chapter 9
Case Studies of “Advertising Injury”: Prior to the ISO CGL coverage form 1998 revision, “personal injury” and “advertising injury” were treated as separate sets of offenses, although the definitions of…
AL-Adjusters Commercial Liability Part 2 Chapter 10
CASE STUDY – Hyundai Patent Infringement Case In Hyundai Motor America v. National Union Fire. Ins. Co. of Pittsburgh, No. 08–56257 (9th Cir. Apr. 5, 2010), Orion IP, LLC (Orion)…
AL-Adjusters Commercial Liability Part 2 Chapter 11
CASE STUDY — Scope of Authority In DISH Network Corp. v. Arch Specialty Ins. Co., __F.3d__ No. 10-1445 (10th Cir. Oct. 17, 2011), DISH argued that the CGL coverage for…
AL-Adjusters Commercial Liability Part 2 Chapter 12
The Coverage C Insuring Agreement Coverage C, medical payments, is primarily intended to pay for injuries sustained by members of the general public while on the insured’s premises or otherwise…
AL-Adjusters Commercial Liability Part 2 Chapter 13
EXCLUSIONS TO CGL INSURANCE We will conclude with a brief overview of the typical exclusions and policy aggregates under a General Commercial Liability policy. Some of the exclusions can be…