In Continuous Injury Case, Excess Policy Is Not Triggered Until All Applicable Primary Policies Are Exhausted, But Multiple Primary Policies Issued By Same Insurer Cannot Be “Stacked”

In a continuous and progressive injury case, an excess policy was not triggered until all collectible primary policies were exhausted, but multiple primary policies issued by the same insurer could not be “stacked.” ( Kaiser Cement and Gypsum Corporation v. … Read More

In Auto Coverage Dispute, After Exhaustion of “Primary” Policy, All Policies Covering Negligent Driver Must Exhaust Before Any Policies Covering Vicariously Liable Employer Will Apply

In an automobile coverage dispute, after exhaustion of the policy deemed “primary” under Insurance Code section 11580.9(d), all policies covering the negligent driver must exhaust before any policies covering the driver’s vicariously liable employer are implicated. ( GuideOne Mutual Insurance … Read More

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An “ordinance or law” exclusion in a first-party property policy barred coverage where a city ordered demolition of a partially-remodeled house because of floodplain regulations. ( Reichert v. State Farm General Insurance Company (2013) 212 Cal.App.4th 1543)

Where Liability Policy Only Covers Additional Insured for Vicarious Liability of Named Insured, Claim By Additional Insured Against Named Insured Does Not Fall Within Exclusion for “Inter-Insured Claims”

Where a general liability policy only covered an additional insured for vicarious liability of the named insured, a claim by the additional insured against the named insured did not fall within a policy exclusion for “inter-insured claims.” ( Gemini Ins. … Read More

In Contribution Action, Once Participating Insurer Proves “Potential for Coverage,” Non-Participating Insurer Must Prove “Absence of Actual Coverage”

In an equitable contribution action between liability insurers, once a participating insurer proves a “potential for coverage” under a non-participating insurer’s policy, the burden shifts to the non-participating insurer to prove the “absence of actual coverage” under its policy. ( … Read More

“Personal and Advertising Injury” Coverage for “Disparagement” Not Triggered Where Insured’s Advertisements Do Not Mention Claimant’s Products

A policy’s “personal and advertising” coverage for “disparagement” was not triggered where the insured’s advertisements only mentioned the insured’s own products and never mentioned the claimant’s products. ( Hartford Cas. Ins. Co. v. Swift Distribution, Inc. (2012) 148 Cal.Rptr.3d 679) … Read More

Government’s Suit Against Insured for Violation of Housing Laws Is Not Potentially Covered As “Wrongful Eviction, Wrongful Entry and Invasion of Right of Private Occupancy,” But Is Potentially Covered As “Discrimination”

A lawsuit by the federal government against an insured for violation of the Fair Housing Act was not potentially covered under commercial general liability policies insuring against “wrongful eviction, wrongful entry and invasion of right of private occupancy,” but was … Read More

Policy Covering “Disparagement” Requires Insurer To Defend Insured Against Suit Alleging That Insured Improperly Sold Claimant’s Products At “Close-Out” Prices

A general liability policy covering the personal injury offense of “disparagement” required an insurer to defend an insured against a suit alleging that the insured improperly sold the claimant’s products at severely discounted, “close-out” prices, thus diminishing the claimant’s brand … Read More

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