{"id":55,"date":"2012-04-13T12:00:08","date_gmt":"2012-04-13T16:00:08","guid":{"rendered":"http:\/\/blogs.duanemorris.com\/insurancelaw\/?p=55"},"modified":"2014-09-05T14:23:29","modified_gmt":"2014-09-05T18:23:29","slug":"are-all-liability-insurance-policies-exposed-to-unlimited-operations-coverage-from-asbestos-claims","status":"publish","type":"post","link":"https:\/\/blogs.duanemorris.com\/insurancelaw\/2012\/04\/13\/are-all-liability-insurance-policies-exposed-to-unlimited-operations-coverage-from-asbestos-claims\/","title":{"rendered":"Are All Liability Insurance Policies Exposed To Unlimited Operations Coverage From Asbestos Claims?"},"content":{"rendered":"<p>All policies are <em>not<\/em> exposed to unlimited operations coverage from asbestos claims. First, not all asbestos claims present operations coverage issues. The \u201coperations issue\u201d arises from the fact that many CGL policies provide aggregate limits only for claims arising from certain types of hazards\u2014typically Products and Completed Operations. Injuries arising from an insured\u2019s ongoing operations are arguably not subject to an aggregate limit. Therefore, to the extent an asbestos claimant\u2019s injury is the result of exposure during the insured\u2019s operations, the claim arguably is not subject to an aggregate cap. But not all insureds that are subject to asbestos claims conducted operations. <!--more-->For example, manufacturers of asbestos-containing products that never performed installation or service work on their products typically do not face \u201coperations&#8221; claims\u2014and manufacturers are a very large portion of asbestos defendants. Typically, it is insureds in the building trades\u2014contractors and installers of asbestos building materials\u2014that face \u201coperations\u201d exposures.<\/p>\n<p>Second, not all policies restrict aggregate limits only to Products and Completed Operations claims. Some provide a total limit of liability. See, e.g., <em>Garamendi v. Mission Ins. Co.<\/em>, 131 Cal.App.4th 30, 41, 49 (2005).<\/p>\n<p>Third, for policies incepting after the operations are completed, even asbestos injury arising from prior operations exposure is nonetheless subject to a \u201ccompleted operations\u201d aggregate in the typical insurance policy. See<em> In re Wallace &amp; Gale Co.<\/em>, 385 F.3d 820, 834 (4th Cir. 2004); see also <em>In Re Wallace &amp; Gale Co.<\/em>, 275 B.R. 223, 237 (2002).<\/p>\n<p>Finally, if all asbestos claims are deemed \u201cone occurrence,\u201d the operations issue is entirely mooted.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>All policies are not exposed to unlimited operations coverage from asbestos claims. First, not all asbestos claims present operations coverage issues. The \u201coperations issue\u201d arises from the fact that many CGL policies provide aggregate limits only for claims arising from certain types of hazards\u2014typically Products and Completed Operations. Injuries arising from an insured\u2019s ongoing operations &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/blogs.duanemorris.com\/insurancelaw\/2012\/04\/13\/are-all-liability-insurance-policies-exposed-to-unlimited-operations-coverage-from-asbestos-claims\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Are All Liability Insurance Policies Exposed To Unlimited Operations Coverage From Asbestos Claims?&#8221;<\/span><\/a><\/p>\n","protected":false},"author":37,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[52,34,19,51,33,31],"ppma_author":[411],"class_list":["post-55","post","type-post","status-publish","format-standard","hentry","category-general","tag-abestos","tag-completed-operations","tag-insurance-coverage","tag-operations","tag-paul-killion","tag-wallace-gale"],"authors":[{"term_id":411,"user_id":37,"is_guest":0,"slug":"pjkillion","display_name":"Paul J. Killion","avatar_url":"https:\/\/blogs.duanemorris.com\/insurancelaw\/wp-content\/uploads\/sites\/12\/2014\/08\/killionpaul-125x150.jpg","0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_links":{"self":[{"href":"https:\/\/blogs.duanemorris.com\/insurancelaw\/wp-json\/wp\/v2\/posts\/55","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blogs.duanemorris.com\/insurancelaw\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blogs.duanemorris.com\/insurancelaw\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blogs.duanemorris.com\/insurancelaw\/wp-json\/wp\/v2\/users\/37"}],"replies":[{"embeddable":true,"href":"https:\/\/blogs.duanemorris.com\/insurancelaw\/wp-json\/wp\/v2\/comments?post=55"}],"version-history":[{"count":0,"href":"https:\/\/blogs.duanemorris.com\/insurancelaw\/wp-json\/wp\/v2\/posts\/55\/revisions"}],"wp:attachment":[{"href":"https:\/\/blogs.duanemorris.com\/insurancelaw\/wp-json\/wp\/v2\/media?parent=55"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blogs.duanemorris.com\/insurancelaw\/wp-json\/wp\/v2\/categories?post=55"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blogs.duanemorris.com\/insurancelaw\/wp-json\/wp\/v2\/tags?post=55"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/blogs.duanemorris.com\/insurancelaw\/wp-json\/wp\/v2\/ppma_author?post=55"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}