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Focus (Forum & Focus)

Apr. 16, 2008

An 'Accident' Is Judged by its Consequences

Focus Column - By Kirk Pasich - The use of the word "accident" in an insurance policy should not bar coverage for an insured accused of intentional conduct.

FOCUS COLUMN

By Kirk Pasich
This article appears on Page 7

      Insurance carriers often argue that there is no coverage under liability policies when an insured intended to act, even if it did not intend to injure anyone or anything. Their argument is premised on the definition of "occurrence" found in standard general liability and homeowners policies. Liability policies typically obligate an insurance carrier to defend and in...

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