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Multiple causes of loss

What happens when a loss results from two causes and the one of those causes is excluded under the policy?

At common law, where there are two or more proximate causes of loss and one of those causes is the subject of an exclusion, the insurer may not be liable to indemnify the insured for the entire loss.

This technical update from Liberty discusses this very pertinent issue of multiple causes of loss and the application of policy exclusions.

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Technical update - Multiple causes of loss

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