To determine whether a claim is covered, we usually start with the Insuring Agreement. If that’s triggered, we then look to the Exclusions to see if coverage for the claim is removed. However, sometimes that’s not enough. In this claim, after reviewing the exclusions, you have to visit the “Who Is An Insured” section of the CGL policy to discover that there really isn’t coverage. This illustrates an interpretive principle called “entirety of contract.”

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