One approach in determining the trigger on an occurrence.

This approach states that all policies in force from the time of initial exposure, through manifestation, apply. One court may hold that injury triggers coverage, including injury occurring with inhalation exposure, while the injurious substance is “in residence” within the injured person and at manifestation of the illness or disease.

This theory is also referred to as “exposure and manifestation” and “exposure-in-residence.”


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