Selecting a Trigger of Coverage
The substantive coverage provisions are identical in both forms. The only difference between them is the “trigger.” The term “trigger” refers to the event, accident, occurrence, or claim that causes the policy to provide defense and indemnity for the insured. The question of the trigger of coverage has been the subject of extensive litigation and will be covered elsewhere in this series of videos. Insurers and courts have been applying multiple
variations on the trigger. Depending on fact situations some courts have applied different triggers to the same policy wording. Insurers have been embarrassed when insureds point out to the court that they have argued different triggers in different cases.
The following video was adapted from my book, “Insurance Claims A Comprehensive Guide” Published by the National Underwriter Company and is available at the Zalma Insurance Claims Library.
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