Gohagan v. The Cincinnati Ins. Co., No. 14-3454 (8th Cir. 2016)
Annotate this CaseAfter the parties' dispute over insurance policy liability coverage, plaintiffs and Cincinnati submitted a joint complaint for declaratory judgment. The court concluded that the district court did not err in finding that the Business Owners Package (BOP) and Commercial General Liability (CGL) policies issued by Cincinnati prohibited stacking where both policies cover the same injury, such that the maximum coverage for the injury is $1,000,000. Accordingly, the court affirmed the district court's grant of summary judgment to Cincinnati.
Court Description: Gruender, Author, with Riley, Chief Judge, and Kelly, Circuit Judge] Civil case - Insurance. The district court properly interpreted the anti-stacking provisions of the insureds' Commercial General Liability and Business Owners Package policies to prohibit recovery from both policies for the same injury.
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