Summary:   This article presents an analysis of the Montrose decision and the known loss doctrine that is related to that decision. Mr. Randy J. Maniloff is the author of this article. Mr. Maniloff is at time of writing, the Chair of the Insurance Coverage Group at Philadelphia-based Christie, Pabarue, Mortensen, and Young, P.C., where he concentrates his practice in the representation of insurers in coverage disputes. Mr. Maniloff handles a wide variety of insurance coverage matters in both the litigation and non-litigation arenas, including environmental property damage, toxic tort bodily injury/asbestos, construction defect, mold, general liability (products and premises), professional liability, directors and officers liability, media liability, public officials liability, homeowners, first-party property, and health care (including managed care and community associations).

The author expresses his sincere appreciation to Mr. Brad Mortensen for his invaluable assistance in the preparation of this article. The views expressed herein are solely those of the author and are not necessarily those of his firm, its clients, or the FC&S Bulletins.

Note: This article originally published on November 24, 2008, with interdocument links updated on October 21, 2020.