Gelman Sciences, Inc. v. Fidelity & Casualty Co.

We granted leave in these consolidated cases to determine whether the Court of Appeals properly adopted the “manifestation trigger theory” to deny coverage under standard comprehensive general liability and umbrella excess insurance policies allegedly issued by the defendant insurers. The policies essentially provided coverage for an “occurrence” taking place within the policy period. Plaintiffs sought coverage for expenses relating to environmental clean-up actions where the contamination was discovered years after the policy periods had expired, but where it allegedly occurred while the…