Opinion ID: 2786637
Heading Depth: 3
Heading Rank: 1

Heading: The Company will pay on behalf of the Insured all

Text: sums that the Insured shall become legally obligated to pay as Loss as a result of Claims for Bodily Injury, Property Damage, or Environmental Damage caused by Pollution Conditions resulting from Covered Operations. The Pollution Conditions must be unexpected and unintended from the standpoint of the Insured. The Bodily Injury, Property Damage, or Environmental Damage must occur during the Policy Period. ¶32 Second is the CPL policy's definitions of the phrases Pollution Conditions and Covered Operations, which are critical to defining the scope of the policy's coverage. 11 No. 2013AP1303 ¶33 The phrase Pollution Conditions is defined by the policy as the release or escape of any solid, liquid, gaseous, or thermal irritant or contaminant . . . into or upon land, or any structure on land, [or] the atmosphere . . . provided such conditions are not naturally present in the environment in the concentration or amounts discovered. The policy does not define the terms irritant or contaminant. The full definition of Pollution Conditions is as follows: Pollution Conditions means the discharge, dispersal, release or escape of any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapors, soot, fumes, acids, alkalis, toxic chemicals, medical waste and waste materials into or upon land, or any structure on land, the atmosphere or any watercourse or body of water, including groundwater, provided such conditions are not naturally present in the environment in the concentration or amounts discovered. ¶34 The phrase Covered Operations is defined by Chartis's CPL policy as those activities performed by the Named Insured at a job site. No one disputes that the insured's excavation project, during which the insured's employees damaged the natural gas pipe, was a covered operation under the policy. ¶35 Third are the policy's other insurance provisions. An endorsement to the CPL policy regarding other insurance provides that [w]here other insurance may be available for Loss covered under [the CPL] Policy, the CPL policy is primary. The endorsement details Chartis's obligations under such circumstances, including its obligation to contribute one half of the cost of covering an insured's liability when the 12 No. 2013AP1303 insured's other insurance policy is also primary and that policy permits contribution by equal shares. ¶36 The other insurance endorsement to the CPL policy also excludes from coverage any claim arising out of covered operations with respect to which the named insured is insured under another CPL policy. ¶37 We now explore these sections of the CPL policy in the context of the facts underlying the instant case. We begin by determining whether the escape of natural gas from the damaged pipe falls within the policy's definition of Pollution Conditions. More specifically, we address whether the four lawsuits assert claims of bodily injury or property damage caused by Pollution Conditions. We explore the other insurance sections of the CPL policy last.