HARFORD COUNTY v. HARFORD MUT. INS.

No. 83, September Term, 1991.

327 Md. 418 (1992)

610 A.2d 286

HARFORD COUNTY, MARYLAND v. HARFORD MUTUAL INSURANCE COMPANY ET AL.

Court of Appeals of Maryland.

August 19, 1992.


Attorney(s) appearing for the Case

Joseph D. Tydings (Jerold Oshinsky, Catherine J. Serafin, Anderson, Kill, Olick & Oshinsky, Washington, D.C., Emory Plitt, Jr., County Atty., Jefferson L. Blomquist, Asst. County Atty., Bel Air, on brief), for petitioner.

Charles Taylor, Gordon, Feinblatt, Rothman, Hoffberger, & Hollander, Baltimore, Jordan S. Stanzler, Anderson, Kill, Olick & Oshinsky, P.C., New York City, amicus curiae for Bausch & Lomb Inc.

Wilbur D. Preston, Jr. (William F. Ryan, Jr., Albert J. Mezzanote, Jr., Denise Y. Hansberry, Whiteford, Taylor & Preston, Baltimore, John R. Spielberger, Bel Air, on brief),

Roger E. Warin (Stephen A. Fennell, Robert R. Lawrence, Steptoe & Johnson, Washington, D.C., on brief), Dennis M. Flannery, Lynn Bregman, John J. Kim, Wilmer, Cutler & Pickering, Washington, D.C., on brief), for respondents.

Alan N. Gamse, David A. Carter, Christopher J. O'Donnell, Semmes, Bowen & Semmes, Baltimore, amicus curiae for Maryland Ass'n of Mut. Ins. Companies.

Timothy C. Russell, Michelle S. Katz, Sonnenschein, Nath & Rosenthal, Washington, D.C., amicus curiae for U.S. Fidelity and Guar. Co. and Maryland Cas. Co.

M. King Hill, III, Venable, Baetjer & Howard, Towson, John B. Wyss, Michael R. Cannon, Joseph L. Ruby, Wiley, Rein & Fielding, Washington, D.C., amicus curiae for Utica Mut. Ins. Co.

Argued before MURPHY, C.J., and ELDRIDGE, RODOWSKY, McAULIFFE, CHASANOW, KARWACKI and ROBERT M. BELL, JJ.


MURPHY, Chief Judge.

We granted certiorari to address a single question presented by the petitioner, Harford County, Maryland: Whether, in the context of alleged environmental property damage, standard form comprehensive general liability insurance policies are "triggered for the policy periods when the damages take place, as opposed to the policy period when the damages are first discovered or `manifested.'"

I.

At various times between 1954 and...

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