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“Arising out of” Means What?

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.

By David D. Thamann, JD, CPCU | Updated on November 01, 2015

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.

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