Utica Mutual Insurance v. Hamel

The plaintiff, Utica Mutual Insurance Company (Utica), sought a declaration that a comprehensive general liability policy purchased by its insured, Printed Circuit Design, Inc. (PCD), did not cover a $300,000 judgment obtained against PCD by the Polymer Realty Trust (Polymer). In dealing with this case, we revisit the question of the meaning of an “occurrence,” which is defined in the policy as “neither expected nor intended from the standpoint of the insured.”2 A judge of the *623Superior Court, on cross motions for summary judgment, found beyond question that PCD should have anticipated that…