Cincinnati Insurance v. ACE INA Holdings, Inc.

Mark P. Painter, Presiding Judge.

{¶ 1} We address a lost-policy insurance-coverage quarrel. We have to admit struggling with the issues' — -we even had one issue rebriefed by the parties. After much gnashing of teeth, we affirm. The aggregate policy limits applied annually; and the “deemer” clause was ineffective to limit liability on these facts.

J. The Parties and the Policies

{¶ 2} An excess insurer, plaintiff-appellant and cross-appellee The Cincinnati Insurance Company (“CIC”), sued the primary insurer, defendant-appellee and cross-appellant ACE INA Holdings (f.k.a. CIGNA Property &…