{"id":901201,"date":"2023-05-23T17:20:04","date_gmt":"2023-05-23T23:20:04","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=901201"},"modified":"2023-05-23T17:20:08","modified_gmt":"2023-05-23T23:20:08","slug":"claims-made-occurrence-hybrid-policies-washington","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/claims-made-occurrence-hybrid-policies-washington\/","title":{"rendered":"Washington Supreme Court Holds Certain Hybrid Occurrence\/Claims-Made and Reported Policies May Violate Public Policy"},"content":{"rendered":"\n<p>Campbell Stuart | <a href=\"https:\/\/www.casualtycoveragechronicle.com\/2023\/05\/18\/washington-supreme-court-holds-certain-hybrid-occurrence-claims-made-and-reported-policies-may-violate-public-policy\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Cozen O&#8217;Connor<\/a><\/p>\n\n\n\n<p>\u201cWe cannot enforce insurance provisions that render coverage so narrow it is illusory.\u201d<a href=\"https:\/\/www.casualtycoveragechronicle.com\/2023\/05\/18\/washington-supreme-court-holds-certain-hybrid-occurrence-claims-made-and-reported-policies-may-violate-public-policy\/#_ftn1\">[1]<\/a>\u00a0 The Washington Supreme Court used this reasoning to hold that a contractor\u2019s <a href=\"https:\/\/www.myconstructionexpert.com\/blog\/completed-operations-coverage-included-excluded-commercial-general-liability-policy\/\" target=\"_blank\" rel=\"noreferrer noopener\">commercial general liability policy<\/a> was unenforceable where it required that an \u201coccurrence\u201d occur and a claim be made and reported to the insurer in the same year.<\/p>\n\n\n\n<p>According to the Court, although parties to insurance contracts generally should have the freedom to contract, the Washington Legislature has mandated that contractors must bear financial responsibility for the injuries their negligence may cause, and has further dictated that insurance is the preferable method to comply with its mandate.<a href=\"https:\/\/www.casualtycoveragechronicle.com\/2023\/05\/18\/washington-supreme-court-holds-certain-hybrid-occurrence-claims-made-and-reported-policies-may-violate-public-policy\/#_ftn2\">[2]<\/a>&nbsp; Though the Legislature has&nbsp;<em>not<\/em>&nbsp;required that insurance purchased to comply with its mandate be issued on an occurrence basis, nor required that policies issued on a claims-made basis provide prospective or retroactive coverage, the Court held that \u201cinsurers should not issue policies that essentially cause contractors to default on their statutorily mandated financial responsibility.\u201d<a href=\"https:\/\/www.casualtycoveragechronicle.com\/2023\/05\/18\/washington-supreme-court-holds-certain-hybrid-occurrence-claims-made-and-reported-policies-may-violate-public-policy\/#_ftn3\">[3]<\/a><\/p>\n\n\n\n<p>On October 31, 2019, an employee of Baker &amp; Son (\u201cBaker\u201d) allegedly dropped a two-by-four on another contractor&nbsp; during renovations to a Long Beach, Washington motel.&nbsp; Nearly a year later, on September 23, 2020, Baker received notice of a wrongful death claim.&nbsp; Two days later, Baker notified its insurer, Preferred Contractors Insurance Company (PCIC), of the claim.&nbsp; Ms. Cox filed her wrongful death claim in Pacific County Superior Court on November 12, 2020.&nbsp; After agreeing to defend subject to a reservation of rights, PCIC brought a declaratory judgment action in the United States District Court for the Western District of Washington, which ultimately certified the following question to the Washington Supreme Court:<\/p>\n\n\n\n<p>When a contractor\u2019s liability insurance policy provides only coverage for \u201coccurrences\u201d and resulting \u201cclaims-made and reported\u201d that take place within the same one-year policy period, and provides no prospective or retroactive coverage, do these requirements together violate Washington public policy and render either the \u201coccurrence\u201d or \u201cclaims-made and reported\u201d provisions unenforceable?<a href=\"https:\/\/www.casualtycoveragechronicle.com\/2023\/05\/18\/washington-supreme-court-holds-certain-hybrid-occurrence-claims-made-and-reported-policies-may-violate-public-policy\/#_ftn4\">[4]<\/a><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.casualtycoveragechronicle.com\/wp-content\/uploads\/sites\/35\/2023\/05\/image002-1.jpg\" alt=\"\" class=\"wp-image-228\"\/><\/figure>\n\n\n\n<p>PCIC had issued two consecutive CGL policies to Baker.&nbsp; Although Baker\u2019s policies contained language \u201ctypical of an occurrence policy,\u201d namely an insuring agreement which provided coverage only if \u201cbodily injury\u201d or \u201cproperty damage\u201d was caused by an \u201coccurrence\u201d that first takes place or begins during the \u201cpolicy period,\u201d each was also subject to the terms of a \u201cclaims-made and reported limitation endorsement,\u201d which restricted coverage to losses that occur&nbsp;<em>and<\/em>&nbsp;are reported to PCIC within the applicable one-year policy period.<a href=\"https:\/\/www.casualtycoveragechronicle.com\/2023\/05\/18\/washington-supreme-court-holds-certain-hybrid-occurrence-claims-made-and-reported-policies-may-violate-public-policy\/#_ftn5\">[5]<\/a>&nbsp; Neither policy contained a provision for retroactive or prospective coverage.<\/p>\n\n\n\n<p>According to PCIC, neither of Baker\u2019s policies provided coverage.&nbsp; The 2019 policy did not provide coverage because the claim was not first made and reported within that policy period, and the 2020 policy did not provide coverage because both the \u201coccurrence\u201d and the bodily injury giving rise to the claim occurred prior to its inception date.<\/p>\n\n\n\n<p>Nevertheless, the Washington Supreme Court held that such policies \u2014 which only provide coverage for \u201coccurrences\u201d and resulting \u201cclaims-made and reported\u201d within the same one-year policy period, and which provide no prospective or retroactive coverage \u2014 are unenforceable based on Washington\u2019s public policy.&nbsp; The Court concluded that such \u201cnonretroactive claims made policies combine the worst features of \u2018occurrence\u2019 and \u2018claims made\u2019 policies and the best of neither by providing neither retroactive nor prospective coverage found in those policies.\u201d<a href=\"https:\/\/www.casualtycoveragechronicle.com\/2023\/05\/18\/washington-supreme-court-holds-certain-hybrid-occurrence-claims-made-and-reported-policies-may-violate-public-policy\/#_ftn6\">[6]<\/a><\/p>\n\n\n\n<p>The insurance policies PCIC issued to Baker fail to provide prospective or retroactive coverage and create limited one-year windows for claims to occur and be reported to qualify for coverage.&nbsp; Such restrictive coverage violates Washington\u2019s public policy.<a href=\"https:\/\/www.casualtycoveragechronicle.com\/2023\/05\/18\/washington-supreme-court-holds-certain-hybrid-occurrence-claims-made-and-reported-policies-may-violate-public-policy\/#_ftn7\">[7]<\/a><\/p>\n\n\n\n<p>Although the Supreme Court\u2019s ruling applies to a narrow subset of\u00a0 policies, it may be beneficial for insurers to consider whether coverage under any policy they issue may run afoul of Washington State\u2019s financial responsibility laws.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><a href=\"https:\/\/www.casualtycoveragechronicle.com\/2023\/05\/18\/washington-supreme-court-holds-certain-hybrid-occurrence-claims-made-and-reported-policies-may-violate-public-policy\/#_ftnref1\">[1]<\/a>&nbsp;<em>Preferred Contractors Ins. Co. v. Baker &amp; Son Constr. Inc.<\/em>, 200 Wash. 2d 128, 143, 514 P.3d 1230, 1237 (2022).<\/p>\n\n\n\n<p><a href=\"https:\/\/www.casualtycoveragechronicle.com\/2023\/05\/18\/washington-supreme-court-holds-certain-hybrid-occurrence-claims-made-and-reported-policies-may-violate-public-policy\/#_ftnref2\">[2]<\/a>&nbsp;<em>Id<\/em>. at 143 (citing R.C.W. 18.27.050).<\/p>\n\n\n\n<p><a href=\"https:\/\/www.casualtycoveragechronicle.com\/2023\/05\/18\/washington-supreme-court-holds-certain-hybrid-occurrence-claims-made-and-reported-policies-may-violate-public-policy\/#_ftnref3\">[3]<\/a>&nbsp;<em>Id<\/em>.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.casualtycoveragechronicle.com\/2023\/05\/18\/washington-supreme-court-holds-certain-hybrid-occurrence-claims-made-and-reported-policies-may-violate-public-policy\/#_ftnref4\">[4]<\/a>&nbsp;<em>Id<\/em>. at 134-5.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.casualtycoveragechronicle.com\/2023\/05\/18\/washington-supreme-court-holds-certain-hybrid-occurrence-claims-made-and-reported-policies-may-violate-public-policy\/#_ftnref5\">[5]<\/a>&nbsp;<em>Id<\/em>. at 141.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.casualtycoveragechronicle.com\/2023\/05\/18\/washington-supreme-court-holds-certain-hybrid-occurrence-claims-made-and-reported-policies-may-violate-public-policy\/#_ftnref6\">[6]<\/a>&nbsp;<em>Id<\/em>. at 142 (citing&nbsp;<em>Sparks v. St. Paul Ins. Co.<\/em>, 100 N.J. 325, 339, 495 A.2d 406, 414 (1985)) (internal quotations omitted).<\/p>\n\n\n\n<p><a href=\"https:\/\/www.casualtycoveragechronicle.com\/2023\/05\/18\/washington-supreme-court-holds-certain-hybrid-occurrence-claims-made-and-reported-policies-may-violate-public-policy\/#_ftnref7\">[7]<\/a>\u00a0<em>Id<\/em>. at 143.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>When one of your cases is in need of a construction expert, estimates, insurance appraisal or umpire services in defect or insurance disputes &#8211; please call Advise &amp; Consult, Inc. at 888.684.8305, or email <a href=\"mailto:experts@adviseandconsult.net\" target=\"_blank\" rel=\"noreferrer noopener\">experts@adviseandconsult.net<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Campbell Stuart | Cozen O&#8217;Connor \u201cWe cannot enforce insurance provisions that render coverage so narrow it is illusory.\u201d[1]\u00a0 The Washington Supreme Court used this reasoning to hold that a contractor\u2019s commercial general liability policy was unenforceable where it required that an \u201coccurrence\u201d occur and a claim be made and reported to the insurer in the&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/claims-made-occurrence-hybrid-policies-washington\/\">Continue reading <span class=\"screen-reader-text\">Washington Supreme Court Holds Certain Hybrid Occurrence\/Claims-Made and Reported Policies May Violate Public Policy<\/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":[10791,10721],"tags":[9895,9889,4739,23,10727],"class_list":["post-901201","post","type-post","status-publish","format-standard","hentry","category-commercial-general-liability-policy","category-insurance","tag-advise-consult","tag-claims-made-insurance-coverage","tag-commercial-general-liability-policy","tag-insurance-coverage","tag-occurrence-2","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>Washington Supreme Court Holds Certain Hybrid Occurrence\/Claims-Made and Reported Policies May Violate Public Policy - Advise &amp; 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