Evanston Insurance Company v. Roman Catholic Bishop of Orange

In its amicus brief, United Policyholders addresses whether an insurance policy that does not contain an aggregate limit should have an aggregate limit imposed by a court on the grounds that a general liability policy with only a per occurrence limit of liability, and no general aggregate limit, would be “inexplicable,” “unreasonable,” or “irrational.” United Policyholders argues that: it was in fact industry norm and intention to write policies in this way; and moreover, insurance companies should not be excused from their coverage obligations simply because, in hindsight, the covered losses are greater than the insurance company may have anticipated.