The insurance
company provides insurance coverage on the following but only when a specific
limit or premium charge is shown for it on the declarations.
The sums an insured is legally obligated to
pay as damages due to bodily injury and property damage covered by this
insurance will be paid by the insurance carrier. The injury or damage must be
caused by an occurrence. The occurrence must take place in the coverage territory.
The bodily injury or property damage must happen during the policy period.
(Editorially added wording from GL 0950–Known Injury or Damage
Amendments)
Insurance for Coverage L is only available to:
Bodily injury or property damage that is
separate and distinct from bodily injury or property damage of which a
designated insured was aware before this policy’s effective date. This means
that the current bodily injury or property damage cannot be a resumption,
change or continuation of that prior bodily injury or property damage.
It is important to realize that
continuation, resumption, and change in such prior bodily injury or property
damage is considered to be known in that prior policy period.
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Example: Paula falls at Porgy’s Place. She had a head injury
and made it home before collapsing. She never came out of the coma. One year
later she dies of those injuries.
Scenario
1: Paula’s estate traced her actions prior to her accident and discovered
that Paula fell at Porgy’s. The family hired an investigator and was able to
present a claim against Porgy’s Place. This is covered under the current
policy because the injury had never been known by anyone at Porgy’s.
Scenario
2: Justin, a partner at Porgy’s, witnessed the fall. He was concerned and
asked Paula if she wanted an ambulance. She declined but asked for a cab.
Justin is a designated insured so because he had knowledge of the bodily
injury, the current policy does not respond but the prior one might.
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