The “damages” in an insurance policy should be interpreted broadly to include much more than simply monies ordered by a Court. Even if a standard CGL policy is limited only to monies ordered by a Court, Umbrella Policies, such as the one in issue here were specifically intended to provide broader coverage and fill gaps otherwise left uncovered in standard CGL policies.
County of San Diego vs. Ace Property & Casualty Insurance Company
Court California Supreme Court
Case Number S114778