February 1, 2010

Analyzing Insurers¡¯ Liability in Long-Term Exposure Cases

By Patrick M. Tomovic and Kevin D. Szczepanski

How is loss allocated when bodily injury or property damage occurs in several successive policy periods? Can the insured choose the policy that it wishes to cover the loss, limiting itself to one deductible and forcing a single year¡¯s primary (and excess) policy to respond?

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