Opinion ID: 161517
Heading Depth: 3
Heading Rank: 1

Heading: to bodily injury or property damage which occurs during the policy period; and

Text: 15 2. to personal injury or advertising injury only if caused by an offense committed during the policy period. 16 The phrases legally obligated to pay and liability imposed by law refer only to tort claims and not contract claims. See Natol Petroleum Corp. v. Aetna Ins. Co., 466 F.2d 38, 39-42 (10th Cir. 1972); Action Ads, Inc. v. Great Am. Ins. Co., 685 P.2d 42, 42-45 (Wyo. 1984); Lee R. Russ & Thomas F. Segalla, 7 Couch on Insurance 103:14 (3rd ed. 2000). Foster Wheeler's suit against VBF was based on contract, not tort. Although Foster Wheeler amended its complaint to assert a claim against VBF for negligently failing to follow contract specifications, this clever drafting does not change the underlying nature of the Foster Wheeler suit. See Waggoner v. Town & Country Mobile Homes, Inc., 808 P.2d 649, 652-53 (Okla. 1990) (reiterating the well-established rule that tort products liability suits cannot be brought for damage to the product itself and explaining that a consumer is protected from damage to the defective product only by contract law); Redevelopment Auth. v. Int'l Ins. Co., 685 A.2d 581, 589 (Pa. Super. Ct. 1996) (While [the third parties] have employed negligence concepts in drafting their complaint, it cannot be disputed that their claims arise out of and are based upon duties imposed upon the [insured] solely as a result of the contract between [the insured and the third parties].). 17 Therefore, coverage under the CGL policy exists for the Foster Wheeler claim only if the contract between Foster Wheeler and VBF is an insured contract under the policy. The CGL policy defines an insured contract as: 18 1. a lease of premises; 19