ACE American Ins. Co. v. RC2 Corp., Inc.

Dist. Ct. erred in finding that commercial general liability insurance policy issued by plaintiff covered losses incurred by defendant (insured manufacturer of toys) where losses were generated by lawsuits filed by U.S. citizens who purchased toys containing lead paint that had been manufactured in China. Plaintiff's policy excluded coverage for injuries that occurred within U.S., and policy-triggering occurrences took place in U.S. where purchasers were exposed to lead paint, and not in China where toys had been manufactured.