Coverage Opinions

The following are actual opinions authored by Shapiro & Associate's Insurance Coverage Opinion Practice attorneys. Proper names have been changed to protect client confidentiality.

• Opinion 1

  This opinion discusses the definition of occurrence, the adequacy of allegations in relationship to the definition of property damage, the product damage exclusion, the work damage exclusion and the impaired property exclusion under the 1996 CGL policy form, as well as the work product exclusion under a Printers E&O form.
  
  Click here to download the sample opinion.

• Opinion 2

  This opinion concerns a constructive discharge based on an allegedly discriminatory basis. The opinion discusses the definitions of occurrence, bodily injury and property damage, the concept of expected or intended injury and the employment practices exclusion. Coverage under a commercial excess policy is also discussed.
  
  Click here to download the sample opinion.

• Opinion 3

  This opinion concerns an age discrimination and retaliation claim brought against the insured college before a state Human Rights Commission. The opinion concludes that the insurer should decline to provide a defense to the insured under the CGL policy, but should provide a defense under the Educator's Legal Liability Policy, subject to a reservation of rights.
  
  Click here to download the sample opinion.

• Opinion 4

  In this opinion, claimants allege fraud, breach of warranty and negligence against the insured real estate developer and builder for providing the claimants with defective residential premises. The opinion discusses, inter alia, the coordination of insurance provisions and concludes that a defense may be necessary subject to a reservation of rights.
  
  Click here to download the sample opinion.