Opinion ID: 1280908
Heading Depth: 1
Heading Rank: 2

Heading: The USF & G Policies

Text: As indicated above, the Bruceton Bank was covered by a commercial general liability policy (CGL) and a commercial umbrella liability policy (CUL) issued by USF & G. Under Coverage A of the CGL policy, USF & G agreed to pay those sums that the insured becomes legally obligated to pay as damages because of `bodily injury' or `property damage' to which this insurance applies. Importantly, as clarified under Coverage A, the CGL insurance applied to bodily injury and property damage only where the bodily injury or property damage was caused by an occurrence. The term occurrence was defined in the CGL policy as meaning an accident, including continuous or repeated exposure to substantially the same general harmful conditions. (emphasis added). Excluded from Coverage A of the CGL policy was bodily injury or property damage expected or intended from the standpoint of the insured. Under Coverage B, entitled Personal and Advertising Injury Liability, of the CGL policy, USF & G agreed to pay those sums that the insured becomes legally obligated to pay as damages because of `personal injury' or `advertising injury' to which this coverage part applies. Whereas advertising injury under the CGL policy included injuries arising from the publication of defamatory material, the phrase personal injury was defined in the policy as including an injury arising from [t]he wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy [.] On the other hand, the commercial umbrella liability policy (CUL) issued by USF & G contained, in Coverage A, an Excess Liability provision. Under that provision, USF & G agreed to pay those sums, in excess of the amount payable under the terms of any `underlying insurance,' that the insured becomes legally obligated to pay as damages because of `injury' to which this insurance applies [.] Moreover, under Coverage B of the CUL policy, entitled Extended Liability, USF & G agreed to pay those sums that the insured becomes legally obligated to pay as damages because of `injury' to which this insurance applies.... The `injury' must be caused by an `incident.' The term injury was defined in the CUL policy as including bodily injury, property damage, advertising injury and personal injury. The term incident was defined as including an accident.  (emphasis added). As with the CGL policy, the phrase personal injury was defined in the CUL policy as including an injury arising from [t]he wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy [.] Finally, under Coverage B of the CUL policy, the phrase bodily injury was defined as bodily injury, sickness, disease, disability, humiliation, shock, mental anguish or mental injury sustained by a person, including death resulting from any of these at any time.