The Joint-and-Several Allocation Scheme
It is not uncommon for an insurer to issue successive liability policies to its policyholders.
The Pennsylvania Supreme Court has adopted a 'multiple trigger' approach, whereby, under primary insurance policies obligating the insurer to 'pay on behalf of the Insured all sums which the Insured shall become legally obligated to pay,' all stages of the disease process, from initial exposure through incapacitation, are deemed to be 'bodily injury' triggering coverage under all primary policies on the risk during the entire period in which the disease evolved.
The Joint-and-Several Allocation Scheme
It is not uncommon for an insurer to issue successive liability policies to its policyholders.
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