Section 9.22 Interrelated Wrongful Acts

• Library: Insurance Practice 2015

When policy limits are written on a “per loss” basis, the policy often provides that, if a series of wrongful acts is related or continuous, the resulting liability may be characterized as a single loss. The determination of which acts are interrelated is intensely fact specific.

Interrelatedness is generally determined by looking at the causes of the loss and not the effect of the wrongful acts. In other words, the fact that a series of wrongful acts or occurrences leads to one unified result does not necessarily mean that they constitute one...