The Long Tail Bites Back: When Old Policies Haunt New Problems

Discover how nothing says “legacy risk” like a 1972 occurrence clause.

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  Explore critical environmental liability coverage issues and related pollution exclusions under CGL insurance policies; analysis extends to primary, excess, and umbrella policies, which have the same or different insurers.

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  Analyze issues that can arise for policyholders and insurers when insurance policies of various durations are called upon to answer for claims, and when multiple policies can also apply.

• Trigger of Coverage for Latent Injury and Damage Claims State Law Survey
  Dig deep into the state laws in all 50 states and the District of Columbia on trigger of coverage for latent injury and damage claims under a CGL policy, referring to the event or events that, under the terms of the insurance policy, determine whether an insurer must respond to a claim in a given set of circumstances.

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  Examine the method adopted in each of the 50 states and the District of Columbia of allocating damages for latent bodily injury and property damage claims, which are also called long tail or continuous injury or damage claims.

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  Learn about the attributes of occurrence and claims-made insurance policies, which refer to the two basic types of triggering events found in liability policies.

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