Opinion ID: 615422
Heading Depth: 2
Heading Rank: 2

Heading: The Relevant Insurance Policies

Text: Between 2001 and 2004, Dish purchased the primary and excess commercial general liability policies at issue here from the five defendant Insurers. Ins. Resp. Br. at 5-7. Primary insurance is provided by Arrowood and Travelers, while XL, Arch, and National Union are responsible for excess coverage if the primary policies are exhausted. Id. All of the policies promise to defend and indemnify Dish against claims alleging advertising injury, among other things. Most of the policies define advertising injury in terms of four categories of offenses: Advertising Injury means injury arising out of one or more of the following offenses: 1. Oral or written publication of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services; 2. Oral or written publication of material that violates a person's right to privacy; 3. Misappropriation of advertising ideas or style of doing business; or 4. Infringement of copyright, title or slogan. Aplt.App. at 208, 431, 479, 536, 964. The National Union policy, by contrast, limits coverage to injury arising solely out of your advertising activities as a result of one or more of the four types of offenses. Id. at 208 (emphasis added). The Arch policy is the only one to provide a different definition of advertising injury, referring, in relevant part, to [t]he use of another's advertising idea in your `advertisement.' Id. at 1013. Arch's policy also contains a clause excluding from coverage any claim ... [a]rising out of the infringement of copyright, patent, trademark, trade secret or other intellectual property rights. Id. at 1004. This exclusion, however, does not apply to infringement, in [the insured's] `advertisement,' of copyright, trade dress or slogan. Id.