Insurance policies abound with the use of the phrase "arising out of." Some policies provide coverage for injuries and damage that arise out of a certain event; other policies exclude coverage for injuries and damages that arise out of a certain event.
For example, Employers Liability insurance under the standard NCCI Workers Compensation policy notes that in order for coverage for bodily injury to apply, the injury must "arise out of" the employee's employment.
And, the med pay coverage under the standard ISO Homeowners policy applies to a person off the insured location if the bodily injury "arises out of" a condition on the insured location. As an example of an exclusion, see the standard ISO CGL form; the pollution exclusion in the standard ISO CGL form excludes coverage for injury or damage "arising out of" the actual or alleged dispersal or escape of pollutants. The Homeowners policy excludes coverage for injury or damage "arising out of" a business conducted from an insured location or engaged in by an insured.
Recommended For You
Want to continue reading?
Become a Free PropertyCasualty360 Digital Reader
Your access to unlimited PropertyCasualty360 content isn’t changing.
Once you are an ALM digital member, you’ll receive:
- Breaking insurance news and analysis, on-site and via our newsletters and custom alerts
- Weekly Insurance Speak podcast featuring exclusive interviews with industry leaders
- Educational webcasts, white papers, and ebooks from industry thought leaders
- Critical converage of the employee benefits and financial advisory markets on our other ALM sites, BenefitsPRO and ThinkAdvisor
Already have an account? Sign In Now
© 2025 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.
