Opinion ID: 2219753
Heading Depth: 2
Heading Rank: 2

Heading: Atlantic's Insurance Coverage of the Dimes.

Text: 16. Atlantic issued its Comprehensive General Liability (CGL) policy no. XXX-XX-XXXX to the Dimes effective in 1983 and renewed it thereafter. On or about October 25, 1983 the Atlantic policy was amended by an endorsement adding property at 29 Howard Street, Brockton, Massachusetts 02401. The Atlantic CGL policy provided insurance coverage for bodily injury liability and property damage liability as follows: `I. COVERAGE A - BODILY INJURY LIABILITY AND COVERAGE B - PROPERTY DAMAGE LIABILITY `The Company will pay on behalf of the insured all sums which the insured shall become legally obligated to pay as damages because of `A. Bodily injury or `B. Property damage `to which this insurance applies, caused by an occurrence, and the Company shall have the right and duty to defend any suit against the insured seeking damages on account of such bodily injury or property damage, even if any of the obligations of the suit are groundless[,] false or fraudulent, and may make such investigation and settlement of any claim or suit as it deems expedient, but the Company shall not be obligated to pay any claim or judgment or to defend any suit after the applicable limit of the Company's liability has been exhausted by payment of judgments and settlements. `The Atlantic policy defines occurrence as follows: `Occurrence means an accident, including conditions or repeated exposure to conditions, which results in bodily injury or property damage neither expected nor intended from the standpoint of the insured.' 17. The policy further provides that: `It is agreed that the exclusion relating to the discharge, dispersal, release or escape of smoke, vapors, soot, fumes, acids, alkalies, toxic chemicals, liquids or gases, waste materials or other irritants, contaminants or pollutants is replaced by the following: `(1) to bodily injury or property damage arising out of the actual, alleged or threatened discharge, [dispersal], release or escape of pollutants; `(a) at or from premises owned, rented or occupied by the named insured. `(b) at or from any site or location used by or for the named insured or other for the handling, storage, disposal, processing or treatment of waste; `(c) which are at any time transported, handled, stored, treated, disposed of, or processed as waste by or for the name insured or any person or organization for whom the named insured may be legally responsible; or `(d) at or from any site or location in which the named insured or any contractors or subcontractors working directly or indirectly on behalf of the named insured are performing operations; `(i) if the pollutants are brought on or to the site or location in connection with such operations; or `(ii) if the operations are used to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize the pollutants. `(2) to any loss, cost or expense arising out of any governmental direction or request that the named insured test for, monitor, clean up, remove, contain, treat, detoxify or neutralize pollutants. `Pollutants means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalies, chemicals and wastes. Waste includes materials to be recycled, reconditioned or reclaimed.' ...