Opinion ID: 2196990
Heading Depth: 3
Heading Rank: 2

Heading: Personal-Injury Claims

Text: Turning to Textron's personal-injury claims, the terms of coverage for such claims are set forth in Part I, Coverage A, as amended by clauses four and seven of the Amendatory Endorsement. Read together, these provisions provide coverage for personal injury, sickness, disease or death sustained by any person as a result of any occurrence which takes place anywhere in the world during the policy period. We read these provisions collectively to provide traditional occurrence-based coverage for personal-injury claims. We note that the reporting requirement in the latter half of clause seven applies only to Coverage B [relating] to injury to or destruction of property and therefore has no application to Textron's personal-injury claims. We do, however, affirm the entry of summary judgment in respect to Textron's personal-injury claims because Textron has alleged no set of facts under which such coverage could exist. Upon reviewing the complaints brought against Textron, we find that none of the counts alleges or even suggests that any human being has sustained injury to his or her person as a result of Textron's alleged environmental contamination of various parcels of land. Under the express language of the policy, coverage for personal injuries was restricted to bodily injury, sickness or disease, including death at any time resulting therefrom, sustained by any person.  (Emphasis added.) Part I, Coverage A of the Insuring Agreements. Textron suggests that other jurisdictions have held that a `personal injury' provision in a liability insurance policy may provide coverage for environmental liabilities. We decline to address this issue in light of the express language of the policy requiring a physical injury to a human being. For the foregoing reasons Textron's appeal is denied and dismissed. We affirm the entry of summary judgment in favor of Liberty with respect to Textron's claims for defense and indemnification for both property damage and personal injuries.