R.T. Vanderbilt Co., Inc. v. Hartford Accident & Indemnity Co.

Summary

The court affirmed the Appellate Court’s judgment resolving several certified insurance-coverage questions arising from asbestos-related claims against Vanderbilt. It approved the continuous-trigger and time-on-the-risk allocation framework, the unavailability-of-insurance exception, the treatment of pollution exclusions, and the exclusion of expert testimony on the timing of asbestos-related injury by adopting the Appellate Court’s analysis. It separately held that occupational-disease exclusions unambiguously apply to claims by nonemployees who developed occupational diseases while using Vanderbilt’s products in the course of work for other employers.