Further, multiple claims each have a separate per claim limit of liability up to any aggregate limit of liability so if claims are related, only one per claim limit is available to cover the loss. Also, if a current claim is deemed related to a claim under an earlier policy, and that earlier policys limits have been exhausted, the policyholder may have limited coverage even though it has fresh limits in the current policy period. Thus, the need to relate, or not to relate, will be a fact-sensitive inquiry into the policyholders particular coverage and claim circumstances. Heres what corporate insureds need to know to maximize their insurance coverage when theyre faced with multiple claims that may (or may not) be treated as one. Policy Language A combination of policy provisions must be analyzed to determine how coverage works. Generally, the places to look are the policys Definitions and Limits of Liability sections. In the Definitions section, the policies may contain a broad definition of Related Claims like this: Related Claims [are] all Claims, whether made against more than one Insured or by more than one claimant, arising out of a single Wrongful Act or a series of Wrongful Acts that have as a common nexus any fact, circumstance, situation, event, transaction, cause or The Most Recent Updates About Insurance Claims Help series of causally connected facts, circumstances, situations, events, transactions or causes. Other policies may provide essentially the same language if the policy uses the defined term Interrelated Wrongful Acts instead of the Related Claims term. Not all policies use common nexus language. They may simply refer to related claims without definition. Others define related claims as claims involving the same or related facts . .
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