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Indiana Court of Appeals Holds that Insured's Two Wrongs Were One "Occurrence" - Insurance Coverage

Insurance Coverage

Posted on: Dec 4, 2018

By Rick Shoultz and Mike Giordano, both of Lewis Wagner LLP

Commercial general liability policies provide coverage for property damage and bodily injury caused by an "occurrence" (an accident), and their limits of coverage are usually tied to the number of "occurrences." Because the number of "occurrences" can affect, among other things, the amount of insurance coverage available, it comes as no surprise that disputes often arise over the number of "occurrences" that may trigger coverage. Recently, the Indiana Court of Appeals reiterated its acceptance of the "cause theory," which provides "the number of occurrences is determined by referring to the cause or causes of the damages."

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