Bituminous Casualty Corporation, Plaintiff-Counter-Defendant v. Advanced Adhesive Technology, Inc., Defendant-Counter-Claimant, Georgia Pad, Inc.

HATCHETT, Circuit Judge:

Following Georgia law in this diversity case, we hold that a pollution exclusion provision in a commercial liability insurance policy is ambiguous and must be construed against the insurer. We affirm the district court.

BACKGROUND

Appellee Advanced Adhesive Technology, Inc. (Advanced) manufactures and sells adhesive products. Appellant Bituminous Casualty Corporation (Bituminous) sold Advanced a general commercial liability insurance policy (GCL policy) effective from January 1, 1993, to January 1, 1994. Bituminous also issued an umbrella insurance policy to Advanced…