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American Home Products Corporation v. Liberty Mutual Insurance Company

United States District Court for the Southern District of New York

565 F. Supp. 1485 (1983)

Relevant factsFree

AHPC (plaintiff) faced 54 pharmaceutical injury lawsuits where the physical harm didn't manifest until after its policy with Liberty (defendant) had ended, even though the exposure causing that harm occurred during the coverage period; AHPC sought a declaration that Liberty must defend it regardless of when the harm manifested, based on an exposure theory.

IssueFree

Whether a comprehensive general-liability policy covering liability for physical injury, sickness, or disease covers only injuries that occurred during the policy period, even if the exposure causing subsequent injuries occurred during that period.

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