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QUARRY v. GOLDEN EAGLE INSURANCE CORPORATION Part II

QUARRY v. GOLDEN EAGLE INSURANCE CORPORATION Part II
07:28:2006

QUARRY v. GOLDEN EAGLE INSURANCE CORPORATION





Filed 7/27/06




CERTIFIED FOR PUBLICATION




IN THE COURT OF APPEAL OF THE STATE OF CALIFORNIA





FOURTH APPELLATE DISTRICT





DIVISION TWO












ORTEGA ROCK QUARRY et al.,


Plaintiffs and Appellants,


v.


GOLDEN EAGLE INSURANCE CORPORATION et al.,


Defendants and Respondents.



E037906


(Super.Ct.No. RIC370782)


OPINION



Story continue from Part I ……..


We next note that courts in California and other jurisdictions have found no ambiguity in the language of total pollution exclusions identical or substantially similar to that in the policies we are presently considering. In Garamendi, supra, 127 Cal.App.4th 480, an insurer refused to tender a defense for its insured on claims based on workers' inhalation of silica dust arising from the insureds' sandblasting operations. The insurer argued that the total pollution exclusion endorsement in the policy (in language identical to that in the present case) precluded coverage for the claims. The trial court agreed, and the appellate court affirmed. (Id. at pp. 483-484.)


The foundation for the court's opinion in Garamendi was the Supreme Court's recent treatment of the interpretation of a total pollution exclusion in MacKinnon, supra, 31 Cal.4th 635. In Mackinnon, the court considered the meaning of an exclusionary clause in a comprehensive general liability policy that excluded injuries caused by the â€





Description EPA administrative proceedings, a prerequisite to bringing a civil action in federal court against alleged polluter under Clean Water Act, were not suits within meaning of liability policies that define suit as "a civil proceeding in which damages...to which this insurance applies are alleged." Insurers had no duty to provide defense or coverage to quarry operator accused of placing dirt and rocks in creek bed where policies excluded coverage for, "monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to, or assessing the effects of pollutants."
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