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Coverage from Multiple Liability Policies

Learn the different methods for allocating coverage among multiple successive or concurrent primary liability policies.


Liability insurance, also known as third-party insurance, protects a policyholder from claims by third parties. In this lesson, we’ll explore what happens if multiple liability policies potentially cover the same claim.

I. Types of Multiple-Policy Coverage

A. Concurrent Coverage

Imagine a parent and a subsidiary each bought commercial general liability or CGL insurance policies. A consumer made a claim against the subsidiary that was covered under both policies. This double coverage is called ...