Society Insurance v. Town of Franklin

¶ 1. The question presented is whether an insured may aggregate coverage under multiple annual comprehensive general liability (CGL) policies for an ongoing occurrence that causes continu ous property damage for a period spanning several years. The trial court determined that the insurer was on the risk for maximum liability for each year that a policy was in force. Thus, the insured municipality could stack coverage under the various annual policies for sums paid to clean up environmental contamination resulting from the operation of a municipal dump. We agree with the trial court. The…