When Is Insurance Not “Other Insurance”?
By David E. Schroeder
Insurance Law,
May 2025
A typical “other insurance” provision in a general liability policy might state that “any coverage hereunder will be excess over any other valid and collectible insurance available to the additional insured, whether primary, excess, contingent, or on any other basis.” Note that this provision only comes into play if another party has “other valid and collectible insurance.” This article examines situations where what appears to be an insurance policy or insurance coverage has been found not to be “other valid and collectible insurance” for the purposes of “other insurance” clause analysis.
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