American Family Mutual Ins. Co. v. American Girl - Insurance ...
American Family Mutual Ins. Co. v. American Girl - Insurance ...
American Family Mutual Ins. Co. v. American Girl - Insurance ...
You also want an ePaper? Increase the reach of your titles
YUMPU automatically turns print PDFs into web optimized ePapers that Google loves.
673 N.W.2d 65 Page 3<br />
268 Wis.2d 16, 673 N.W.2d 65, 2004 WI 2<br />
(Cite as: 268 Wis.2d 16, 673 N.W.2d 65)<br />
[9] <strong>Ins</strong>urance 217 1835(2)<br />
217 <strong>Ins</strong>urance<br />
217XIII <strong>Co</strong>ntracts and Policies<br />
217XIII(G) Rules of <strong>Co</strong>nstruction<br />
217k1830 Favoring <strong>Ins</strong>ureds or Beneficiaries;<br />
Disfavoring <strong>Ins</strong>urers<br />
217k1835 Particular Portions or Provisions<br />
of Policies<br />
217k1835(2) k. Exclusions, Exceptions<br />
or Limitations. Most Cited Cases<br />
<strong>Ins</strong>urance policy exclusions are narrowly or<br />
strictly construed against the insurer if their effect is<br />
uncertain.<br />
[10] <strong>Ins</strong>urance 217 2098<br />
217 <strong>Ins</strong>urance<br />
217XV <strong>Co</strong>verage--in General<br />
217k2096 Risks <strong>Co</strong>vered and Exclusions<br />
217k2098 k. Exclusions and Limitations in<br />
General. Most Cited Cases<br />
<strong>Co</strong>urts analyze each insurance policy exclusion<br />
separately; the inapplicability of one exclusion will<br />
not reinstate coverage where another exclusion has<br />
precluded it.<br />
[11] <strong>Ins</strong>urance 217 2098<br />
217 <strong>Ins</strong>urance<br />
217XV <strong>Co</strong>verage--in General<br />
217k2096 Risks <strong>Co</strong>vered and Exclusions<br />
217k2098 k. Exclusions and Limitations in<br />
General. Most Cited Cases<br />
An exception pertains only to the exclusion clause<br />
within which it appears; the applicability of an exception<br />
will not create coverage if the insuring<br />
agreement precludes it or if a separate exclusion applies.<br />
[12] <strong>Ins</strong>urance 217 2277<br />
217 <strong>Ins</strong>urance<br />
217XVII <strong>Co</strong>verage--Liability <strong>Ins</strong>urance<br />
217XVII(A) In General<br />
© 2011 Thomson Reuters. No Claim to Orig. US Gov. Works.<br />
217k2273 Risks and Losses<br />
217k2277 k. Property Damage. Most<br />
Cited Cases<br />
Sinking, buckling, and cracking of warehouse as a<br />
result of the soil settlement was “physical injury to<br />
tangible property” and, therefore, “property damage”<br />
within the meaning of commercial general liability<br />
(CGL) insurance policy, even if the economic loss<br />
doctrine applied and insured general contractor was<br />
liable to building owner only for breach of contract or<br />
warranty, not in tort.<br />
[13] Products Liability 313A 156<br />
313A Products Liability<br />
313AII Elements and <strong>Co</strong>ncepts<br />
313Ak154 Nature of Injury or Damage<br />
313Ak156 k. Economic Losses; Damage to<br />
Product Itself. Most Cited Cases<br />
(Formerly 313Ak17.1, 379k5)<br />
The “economic loss doctrine” generally precludes<br />
recovery in tort for economic losses resulting from the<br />
failure of a product to live up to contractual expectations;<br />
it is based on an understanding that contract law<br />
and the law of warranty, in particular, is better suited<br />
than tort law for dealing with purely economic loss in<br />
the commercial arena.<br />
[14] Torts 379 118<br />
379 Torts<br />
379I In General<br />
379k116 Injury or Damage from Act<br />
379k118 k. Economic Loss Doctrine. Most<br />
Cited Cases<br />
(Formerly 379k5)<br />
The “economic loss doctrine” operates to restrict<br />
contracting parties to contract, rather than tort, remedies<br />
for recovery of economic losses associated with<br />
the contract relationship.<br />
[15] <strong>Ins</strong>urance 217 2097<br />
217 <strong>Ins</strong>urance<br />
217XV <strong>Co</strong>verage--in General<br />
217k2096 Risks <strong>Co</strong>vered and Exclusions<br />
217k2097 k. In General. Most Cited Cases