Case Number: 
Supreme Court of Ohio
Policy Interpretation
Incorporation Doctrine

In its brief, UP argues that the CGL and Umbrella Policy sold to Ironics requires Motorists Insurance Company to defend and indemnify Ironics against a claim of providing nonconforming tube scale (which upon incorporation into another party’s glass bottles, rendered them unsafe and unusable).

The CGL Policy provided coverage for claims seeking damages for “property damage” caused by an “occurrence.” UP posits three propositions of law as to why the claim should be covered:

  1. The incorporation doctrine was adopted long ago by the insurance industry to insure losses such as those suffered by Ironics.
  2. Amicus for the insurance industry’s improper attempt to re-write the policy to narrow the definition of “occurrence” should be disregarded.
  3. No exclusions preclude coverage.


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This brief was drafted pro bono by Stacy Berliner of Brouse McDowell, LPA and William Passannante and John Leonard of Anderson Kill P.C.