{"id":895745,"date":"2019-04-16T15:23:26","date_gmt":"2019-04-16T21:23:26","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=895745"},"modified":"2019-04-16T15:23:33","modified_gmt":"2019-04-16T21:23:33","slug":"policy-period-fatal-insurers-related-claims-argument","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/policy-period-fatal-insurers-related-claims-argument\/","title":{"rendered":"Ninth Circuit Finds Policy\u2019s Definition of \u201cPolicy Period\u201d Fatal to Insurer\u2019s \u201cRelated Claims\u201d Argument"},"content":{"rendered":"\n<p>Jason M. Taylor | <a href=\"http:\/\/tlsslaw.com\/insurance-law\/2019\/0327\/12246\/\">Insurance Law Blog<\/a> | March 27, 2019<\/p>\n\n\n\n<p>Professional liability policies often include some form of a \u201crelated claims\u201d or \u201crelated acts\u201d provision stating that if more than one claim results from a single wrongful act, or a series of related wrongful acts, such claims will be treated as a single claim and deemed first made during the policy period in which the earliest claim was made. &nbsp;These provisions can have significant implications on the applicable policy and policy limits, retroactive date issues, and whether such claims were first made and reported during a particular policy period.&nbsp; Recently, the Ninth Circuit issued a stern reminder of how the particular policy language can effect, and in this case thwart, the intended scope of the carrier\u2019s \u201crelated claims\u201d provision.<\/p>\n\n\n\n<p>In&nbsp;<em>Attorneys Ins. Mut. Risk Retention Grp., Inc. v. Liberty Surplus Ins. Corp<\/em>., 2019 WL 643442 (9th Cir. Feb. 15, 2019), the Ninth Circuit construed a \u201crelated claims\u201d provision included in two consecutive lawyers professional liability policies.&nbsp;During both the 2009\u20132010 and 2010\u20132011 insurance policy periods, attorney J. Wayne Allen (\u201cAllen\u201d) was insured through his employer by Liberty Surplus Insurance Corporation\u2019s (\u201cLiberty\u201d) professional liability insurance. &nbsp;Third parties filed suit against Allen during the 2009\u20132010 policy period in a probate case, and a second, related civil suit during the 2010\u20132011 policy period. &nbsp;<\/p>\n\n\n\n<p>The 2010\u20132011 Policy was a \u201cclaims-made and reported policy,\u201d which required that any claim made during the 2010\u20132011 policy period against the insured be reported during the 2010\u20132011 policy period. One provision limited Liberty\u2019s liability for multiple related claims and provided, in relevant part:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p><strong>Claims&nbsp;<\/strong>alleging, based upon, arising out of or attributable to the same or related acts, errors or omissions shall be treated as a single&nbsp;<strong>Claim&nbsp;<\/strong>regardless of whether made against one or more than one Insured. All such&nbsp;<strong>Claims<\/strong>, whenever made, shall be considered first made during the&nbsp;<strong>Policy Period&nbsp;<\/strong>or any Extended Reporting Period in which the earliest&nbsp;<strong>Claim&nbsp;<\/strong>arising out of such acts, errors or omissions was first made, and all such&nbsp;<strong>Claims&nbsp;<\/strong>shall be subject to the same Limits of Liability.<\/p><\/blockquote>\n\n\n\n<p>The earlier probate suit was not reported to Liberty until the second policy period.&nbsp; When the civil suit was reported to Liberty (within the 2010-2011 policy period in which the claim was made), Liberty declined coverage for Allen in the civil action. Liberty argued that the \u201crelated claims\u201d provision in the 2010\u20132011 Policy limited coverage so that if multiple claims regarding the same set of facts are made against an insured in multiple policy periods, the claims are all considered initially made during the policy period in which the&nbsp;first claim&nbsp;is made. &nbsp;Here, Liberty argued that by virtue of the \u201crelated claims\u201d provision, both the probate case and related civil suit were deemed to have been first made during the 2009-2010 Policy period, when the original probate suit was first made.&nbsp; Further, because claims must be reported during the policy period in which they are made, Liberty asserted that it had no obligation to defend Allen against the civil action because he failed to report the earlier, related probate claim during the 2009\u20132010 policy period. &nbsp;<\/p>\n\n\n\n<p>The District Court rejected Liberty\u2019s argument, and the Ninth Circuit affirmed.&nbsp; The court\u2019s analysis involved interpretation of one of the 2010\u20132011 Policy\u2019s defined terms, \u201cPolicy Period.\u201d In particular, the 2010\u20132011 Policy defined \u201cPolicy Period\u201d as \u201cthe period from the Inception Date of&nbsp;this Policy&nbsp;to the Policy Expiration Date as set forth in the Declarations or its earlier termination date, if any.\u201d&nbsp;The \u201cDeclarations\u201d identified the policy period as from July 31, 2010 until July 31, 2011. According to the court, the specific definition of \u201cPolicy Period\u201d within the 2010-2011 Policy precluded Liberty\u2019s interpretation of the \u201crelated claims\u201d provision.<\/p>\n\n\n\n<p>The District Court reasoned that \u201c[a]dopting Liberty\u2019s interpretation would require the court to give different meanings to the same term used in the same policy, which would run afoul of the rules of contract interpretation.\u201d Rather, the court held that the definition of \u201cPolicy Period\u201d necessitated that the \u201crelated claims\u201d provision be read to mean any relevant claims will be \u201cconsidered first made during the Policy Period,\u201d&nbsp;<em>i.e.<\/em>, during the period from July 31, 2010, until July 31, 2011. &nbsp;In other words,the specific policy language in the 2010-2011 Policy only applied to \u201crelated claims\u201d made within the 2010-2011 Policy period and that such claims will be deemed made when the earliest of claims was made during that policy period only, and not the prior policy period.&nbsp; The Ninth Circuit held that Liberty\u2019s chosen definition of \u201cPolicy Period\u201d may create an ambiguity in the meaning of the multiple related claims provision as a whole, but it nevertheless sided against Liberty as any ambiguities in an insurance policy are resolved against the insurer.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jason M. Taylor | Insurance Law Blog | March 27, 2019 Professional liability policies often include some form of a \u201crelated claims\u201d or \u201crelated acts\u201d provision stating that if more than one claim results from a single wrongful act, or a series of related wrongful acts, such claims will be treated as a single claim&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/policy-period-fatal-insurers-related-claims-argument\/\">Continue reading <span class=\"screen-reader-text\">Ninth Circuit Finds Policy\u2019s Definition of \u201cPolicy Period\u201d Fatal to Insurer\u2019s \u201cRelated Claims\u201d Argument<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[30,10721],"tags":[9895,4739,10779],"class_list":["post-895745","post","type-post","status-publish","format-standard","hentry","category-general-liability-policy","category-insurance","tag-advise-consult","tag-commercial-general-liability-policy","tag-related-claims-provision","entry"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ninth Circuit Finds Policy\u2019s Definition of \u201cPolicy Period\u201d Fatal to Insurer\u2019s \u201cRelated Claims\u201d Argument - Advise &amp; 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