In a recent opinion, the Indiana Court of Appeals examined and provided significant analyses of a number of fundamental concepts in insurance law, including the definition of “property damage,” the concept of “occurrence,” the expected-or-intended exclusion, the contractual-liability exclusion, and the common-law known-loss doctrine. In Indiana Insurance v. Kopetsky, 49A02-1304-PL-340 (June 4, 2014), the court charts the parameters of “property damage,” details the requirements for establishing an “occurrence,” clarifies the limits of the expected-or-intended exclusion, establishes the principles governing the contractual-liability exclusion, and details the application of the known-loss doctrine. The opinion’s substantial analyses of these insurance-law concepts provide policyholders essential guidance on seeking coverage under commercial general liability insurance for environmental liabilities.

Read more about this opinion in a recent article I published.