Opinion ID: 3158528
Heading Depth: 3
Heading Rank: 3

Heading: The Umbrella Clause

Text: An umbrella policy “provide[s] primary coverage for risks that the underlying policy does not cover.” Mid-Continent Cas. Co. v. Circle S Feed Store, LLC, 754 F.3d 1175, 1179 (10th Cir. 2014) (quoting 15 Steven Plitt et al., Couch on Insurance § 220:32 (3d ed. 2013)). The Umbrella Clause in the Canal policy is no exception. For Canal’s umbrella policy to apply, the underlying insurance must be inapplicable to the occurrence. Home’s policies provided coverage for asbestos related claims, making them applicable to the occurrence. As we have explained elsewhere, the district court was correct in its determination that “Home’s insolvency is not an occurrence to which the -9- underlying policy is inapplicable because it is not an occurrence at all.” Canal Ins. Co., 2013 WL 6732658, at  (citing Value City, Inc. v. Integrity Ins. Co., 508 N.E.2d 184, 188 (Ohio Ct. App. 1986)).