Opinion ID: 1735720
Heading Depth: 2
Heading Rank: 6

Heading: Arising out of Is Unambiguous and Should Be Interpreted Broadly

Text: Based on the analysis above, we agree with the majority of states and conclude that the phrase arising out of your product in the products-completed operations hazard exclusions at issue is unambiguous. The term `arising out of' is broader in meaning than the term `caused by' and means `originating from,' `having its origin in,' `growing out of,' `flowing from,' `incident to' or `having a connection with.' Hagen, 675 So.2d at 965. As we implied in Race, 542 So.2d at 351, this requires more than a mere coincidence between the conduct (or, in this case, the product) and the injury. It requires some causal connection, or relationship. Heritage Mut. Ins. Co., 657 So.2d at 927. But it does not require proximate cause. Race, 542 So.2d at 348. The provision at issue excludes coverage for all bodily injury and property damage occurring away from premises you own or rent and arising out of your product. The underlying complaints allege damages for increased health care costs and the increased costs for police and emergency medical services due to gun violence, and the costs associated with the prosecution of gun-related crimes. The allegations in the complaints all concern off-premises conduct arising out of (not merely incidentally related to) firearms products. Brazas, 220 F.3d at 8. The bodily injuries alleged all originated from Taurus's productsthat is, the discharge of their manufactured guns. Therefore, we hold that the policy excludes coverage.