Asbestos – Each Claim An Occurrence / 3 Year Policy = 3 Separate Limits: The decision to sell asbestos-containing products is not a single occurrence under a CGL policy, and a three year policy provides three sets of annual aggregate limits (OH, St.). 

An Ohio State Court judge found that the decision to manufacture and sell an asbestos-containing product is not a single occurrence under a CGL policy.  Each claim is a separate occurrence, thus increasing the available coverage to the policyholder.  And, a three year policy does not provide just one aggregate limit, but three annual aggregates.  William Powell v. OneBeacon, A-1109350, Hamilton County (Ohio).