{"id":898821,"date":"2021-06-03T14:39:45","date_gmt":"2021-06-03T20:39:45","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=898821"},"modified":"2021-06-03T14:39:49","modified_gmt":"2021-06-03T20:39:49","slug":"multiple-claims-provisions","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/multiple-claims-provisions\/","title":{"rendered":"“Multiple Claims” Provisions on Contractor’s Professional Liability Policy Creates a Trap for Policyholders"},"content":{"rendered":"\n

Michael V. Pepe | SDV Insights<\/a><\/p>\n\n\n\n

In\u00a0Berkley Assurance Company v. Hunt Construction Group, Inc., 465 F.Supp.3d 370 (S.D.N.Y., 2020), professional liability insurer Berkley sued its insured, Hunt, a construction management firm, seeking a declaration that it did not owe Hunt a duty to defend and indemnify against breach of contract claims. The United States District Court for the Southern District of New York granted Berkley\u2019s motion for summary judgment and denied Hunt\u2019s motion for partial summary judgment. Among other things, the court held that the policy\u2019s automatic extended reporting period did not apply to Hunt\u2019s first claim. The multiple claims provision<\/a> barred Hunt\u2019s second claim because the claims were related.<\/p>\n\n\n\n

The court\u2019s holding creates a potential trap for policyholders who wait to see how a claim develops before reporting it to their insurance carrier. This case demonstrates that waiting to see how a claim develops can result in a loss of coverage. Policyholders need to be aware of this trap and report all claims and circumstances immediately.<\/p>\n\n\n\n

Hunt\u2019s Subconsultant and the Owner Brought Separate Claims Against Hunt for Professional Negligence<\/strong><\/p>\n\n\n\n

Hunt purchased professional liability insurance policies insured by Berkley. The first policy had an effective period from June 15, 2016, to June 15, 2017, later extended to July 15, 2017, and the second policy had an effective period from July 15, 2017, to June 15, 2018. Id. at 374. After the second policy expired, Berkley issued another renewal policy for the period July 15, 2017, to July 15, 2018. Each policy covered claims made and reported during the Policy Period. Each policy also contained a provision stating that multiple related claims would be treated as a single claim and covered under the policy covering the first such claim:<\/p>\n\n\n\n

\u2018Claims \u2026 arising out of one or more acts, errors, omissions, incidents, events \u2026 or a series thereof that are related (either causally or logically) will be considered a single Claim\u2019 \u2013 that is, \u2018first made on the date the earliest such Claim \u2026 was first made and is covered \u2018only [by] a Policy providing coverage for the earliest such Claim.\u2019<\/p>\n\n\n\n

In 2014, Hunt was hired by South Florida Stadium, LLC (the \u201cOwner\u201d) to be the construction manager for the renovation of the Hard Rock Stadium in Miami, Florida. In turn, Hunt hired Alberici Constructors, Inc., d\/b\/a Hillsdale Fabricators (\u201cHillsdale\u201d), to perform \u201cdesign and steel fabrication for the stadium\u2019s rooftop canopy structure.\u201d Id. On October 18, 2016, Hillsdale asserted a claim against Hunt that alleged Hillsdale had incurred additional and unforeseen costs \u201cbecause Hunt performed design and construction services improperly\u201d Id. Hunt and Hillsdale executed a \u201cMemorandum of Understanding\u201d whereby they agreed to complete the project, and deal with the cost increase issues later. Hunt finished the project in July 2016.<\/p>\n\n\n\n

The parties failed to reach an agreement on the issues, and The Owner and Hunt sued Hillsdale in Florida state court seeking a declaratory judgment. Id. Hillsdale filed a claim, in part, against Hunt in federal court, before voluntarily dismissing that claim, and then, on March 30, 2017, filed a counterclaim against Hunt for, in pertinent part, breach of contract in state court. (Together, these actions constitute the \u201cHillsdale Claim\u201d). Hunt reported the Hillsdale claim to Berkley two months later, on July 20, 2017. Hunt reported the claim five days into the 2017-2018 Policy period and nine months after Hillsdale first asserted its claim against Hunt.

Then, on May 21, 2018, the Owner demanded that Hunt indemnify and hold it harmless from any damages resulting from Hillsdale\u2019s counterclaim against the Owner. (The \u201cOwner\u2019s Claim\u201d). Id. at 375. Hunt reported the Owner\u2019s claim to Berkley two weeks later.<\/p>\n\n\n\n

Berkley Denied Coverage for Both Claims Based on Hunt\u2019s Untimely Notice of the First Claim<\/strong><\/p>\n\n\n\n

Berkley denied coverage for both claims. Berkley asserted the Hillsdale claim was not covered because the policy period expired before Hunt brought the claim. As for the Owner\u2019s claim, Berkley alleged that the Owner\u2019s claim was not covered because it was related to the Hillsdale claim, which is not covered.<\/p>\n\n\n\n

The District Court sided with Berkley, Granting its Motion for Summary Judgment<\/strong><\/p>\n\n\n\n

In granting Berkley\u2019s motion for summary judgment, the district court held that \u201cthe Hillsdale Claim is not covered by the 2016-2017 Policy, and Berkley has no duty to defend Hunt against it because Hunt failed to report that claim within the time allotted by the policy.\u201d The court refused to accept Hunt\u2019s argument that the claim, which was made five days after the 2016-2017 policy expired, was made within the sixty-day Automatic Extended Reporting Period. Id. at 378. The Court acknowledged that the AERP only applies when Hunt or Berkley terminated or non-renewed the policy. The court also disagreed with Hunt\u2019s arguments that the policy is ambiguous. Berkley waived its right to argue that the claim was untimely when it originally only denied the Hillsdale claim on the basis of a Contractual Liability Exclusion; and that Berkley is estopped from asserting its timeliness argument.<\/p>\n\n\n\n

The court also sided with Berkley with respect to the Owner\u2019s claim \u2013 holding it was not covered because it should be considered together with the Hillsdale claim as a single claim. The parties admitted the claims were related, but Hunt disputed \u201cany legal conclusion that the relationship between the Hillsdale Claim\u2019\u201d and the Owner\u2019s Claim\u201d \u2018allow[ed] Berkley to disclaim coverage for both Claims.\u2019\u201d Id. at 383. The court held that because the claims were a single claim made on the date of the earliest claim as per the policy, where the earliest claim was untimely, both claims were untimely and consequently not covered.<\/p>\n\n\n\n

The parties reached an agreement before Hunt\u2019s appeal1<\/sup> could be decided.<\/p>\n\n\n\n

Implications for Contractors<\/strong><\/p>\n\n\n\n

The court\u2019s holding has serious implications for policyholders. By refusing to apply the 60-day AERP when the policy is renewed, or even acknowledging the ambiguity in the language, the court adopts Berkley\u2019s position that the policyholder is put in a worse position by paying the insurer more money and renewing the policy than by choosing to purchase insurance from another carrier. There is no question the AERP would have applied to Hunt\u2019s claims and required Berkley to cover them if Hunt had not renewed with Berkley.<\/p>\n\n\n\n

Second, in adopting Berkley\u2019s interpretation of the Multiple Claims provision, the court has approved of Berkley\u2019s reliance on a policy allocation provision as a basis to deny coverage for an otherwise covered claim. It was clear in this case that neither Hunt nor Berkley knew at the time of the Hillsdale claim that, almost two years later, the Owner would make a claim against Hunt. Thus, there was no way Hunt could possibly give notice of the Owner\u2019s claim any earlier, and Hunt\u2019s notice of the Owner\u2019s claim was timely. Yet, because the court held that Hunt\u2019s notice of the Hillsdale was untimely and that the two claims were \u201crelated,\u201d Berkley did not have to cover the Owner\u2019s claim.

This means that now, when policyholders have a claim, they will not only have to consider coverage for that claim but must also consider that failing to give notice may jeopardize coverage for unknown future claims that may be deemed to be \u201crelated.\u201d Policyholders can no longer risk waiting to provide notice of a claim or potential claim, even if that claim may fall within a deductible or retention. To preserve coverage for future claims, policyholders must give notice of anything that may qualify as a claim.

Contractors should consider training for project teams to make sure that they understand what may qualify as a claim under their policy to ensure that risk managers and general counsel can make timely notice to insurance carriers.<\/p>\n","protected":false},"excerpt":{"rendered":"

Michael V. Pepe | SDV Insights In\u00a0Berkley Assurance Company v. Hunt Construction Group, Inc., 465 F.Supp.3d 370 (S.D.N.Y., 2020), professional liability insurer Berkley sued its insured, Hunt, a construction management firm, seeking a declaration that it did not owe Hunt a duty to defend and indemnify against breach of contract claims. The United States District… Continue reading “Multiple Claims” Provisions on Contractor’s Professional Liability Policy Creates a Trap for Policyholders<\/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":[10885],"tags":[9895,23,11484],"class_list":["post-898821","post","type-post","status-publish","format-standard","hentry","category-property-insurance-claims","tag-advise-consult","tag-insurance-coverage","tag-multiple-claims-provision","entry"],"jetpack_publicize_connections":[],"yoast_head":"\n"Multiple Claims" Provisions on Contractor's Professional Liability Policy Creates a Trap for Policyholders - 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