Deliberate Conduct Is Not An “Accident”
General liability coverage is typically triggered by an “occurrence,” which is defined, in part, as an accident that causes bodily injury or property damage for which the insured is responsible. Musick Peeler’s recent summary judgment success in District Court underscores the rule that deliberate acts of the insured that cause injury do not constitute an accident under California insurance law, even if they are alleged to have caused unexpected harm.
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