Prisco Serena Sturm Architects, Ltd., and Security Insurance Company of Hartford v. Liberty Mutual Insurance Co.

DIANE P. WOOD, Circuit Judge.

Torn between the desire to use common forms, which ought to lead to consistent results, and the need to tailor coverage to particular situations, the insurance industry often ends up with policies that are, to put it charitably, convoluted. This has led most states, including Illinois, to adopt rules requiring policies to be construed in the light most favorable to a finding of coverage, so that people who reasonably think they have insured themselves are not unpleasantly surprised when they submit a claim. Dora Township v. Indiana Ins. Co., 78 Ill.2d 376, 36…