The Supreme Court overturned the decision of the Court of Appeal concerning the meaning of “sustained” in employers’ liability (EL) insurance policies. EL insurance cover for mesothelioma claims, whether “sustained” or “contracted” wording is used in the policy, is triggered by the date of exposure to asbestos and not by the onset of malignancy decades later. The Court of Appeal’s decision in Bolton MBC v Municipal Mutual Insurance, which gave a different interpretation to “sustained” in the context of public liability (PL) cover, remains good law for the time being. The court did not criticize Bolton, concluding that the PL and EL regimes are different (BAI (Run off) Ltd v Durham).