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Asbestos-Related Injury Is Not a 'Bodily Injury By Accident'

By Paul Kalish
January 03, 2006

In its recent decision in Riverwood International Corp. v. Employers Insurance of Wausau, No. 04-30608, 2005 WL 1840057 (5th Cir. Aug. 4, 2005), the Fifth Circuit affirmed an award of summary judgment in favor of an insurer, holding that asbestos-related injury is not a “bodily injury by accident.”

Riverwood involved a coverage dispute between Graphic Packaging International, Inc., formerly known as Riverwood International Corp. (“Riverwood”), and its insurer, Employers Insurance of Wausau (“Wausau”), which provided workers' compensation and employers' liability insurance to Riverwood from May 1974 to January 1984. The policies provided coverage for claims involving both “bodily injury by accident” and “bodily injury by disease,” and stated that “[t]he contraction of disease is not an accident within the meaning of the word 'accident' in the term 'bodily injury by accident' and only such disease as results directly from a bodily injury by accident is included within the term 'bodily injury by accident.'” Riverwood, 2005 WL 1840057, at *3. The policies further provided that “the term 'bodily injury by disease' includes only such disease as is not included within the term 'bodily injury by accident.'” Id.

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