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Notice under Occurrence Policies: Issues Beyond the Prejudice Debate

By Laura A. Foggan
December 22, 2008

This article reviews key notice issues under occurrence-based policies, underscoring how multi-faceted and complex the questions are that can arise when a notice defense is presented. These questions range from what triggers the notice requirement to what the applicable statutory standards are for a notice defense, and from how theories of constructive notice apply to whether there are circumstances where notice will be excused on the basis of excuse or futility. As this article demonstrates, there are many important issues presented in disputes over the application and effect of notice provisions. Further, prejudice issues ' probably most commonly the focus of notice discussions ' are just one component of the notice defense. Many other threshold questions about notice duties can be equally or more important than prejudice to the resolution of a late notice issue.

The Purposes of Notice Requirements

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