BAUSCH & LOMB INC. v. UTICA MUTUAL

No. 56, September Term, 1992.

330 Md. 758 (1993)

625 A.2d 1021

BAUSCH & LOMB INCORPORATED ET AL. v. UTICA MUTUAL INSURANCE COMPANY.

Court of Appeals of Maryland.

As Corrected on Denial of Reconsideration July 12, 1993.


Attorney(s) appearing for the Case

Argued by Joseph D. Tydings (Jordan S. Stanzler, Mark A. Kolman, Catherine D. Serafin, Jean E. Zimmerman, Anderson, Kill, Olick & Oshinsky, all on brief), Washington, DC, and (Charles R. Taylor, Gordon, Feinblatt, Rothman, Hoffenberger & Hollander, all on brief), Baltimore, for petitioner.

Argued by John B. Wyss (Wiley, Rein & Fielding, Michael R. Cannon, Joseph L. Ruby, all on brief), Washington, DC, and (M. King Hill, III, Venable, Baetjer & Howard, all on brief), Towson, for respondent.

Russell H. Carpenter, Jr., Saul B. Goodman, Douglas M. Gleason, Philip D. Golrick, Covington and Burling, Washington, DC, for The American Petroleum Institute, The American Fiber Mfrs. Ass'n, The Chemical Mfrs. Ass'n, Intern. Business Machines Corp. and Olin Corp.

Emory Plitt, County Atty., Jefferson L. Blomquist, Deputy County Atty., Bel Air, for Hartford County.

J. Joseph Curran, Jr., Atty. Gen. of MD (Pamela D. Marks, Valerie J. Smith, Asst. Attys. Gen., all on brief), Baltimore, for State of MD.

Michael J. Travieso (Gallagher, Evelius & Jones, both on brief), Baltimore, for Johns Hopkins University, University of MD Medical Systems Corp., Allied-Signal Inc., AMG Resources Corp., Baltimore Specialty Steel, Blue Circle America, Chemetals Inc., Chesapeake Finished Metals, Domino Sugar Co., Eastern Stainless Corp., Fallstaff Search, Howard L. Chertkof & Co., Inc., Klein Enterprises, Lenmar Inc., McCorquodale Process Co., Metropolitan Management, Inc., Nat. Gypsum Co., SCM Chemicals, Sweethart Cup Co., Inc. and W.R. Grace & Co.

Roger E. Warin, Diane Hollenshead Copes (Steptoe & Johnson, all on brief), Washington, DC, for Ins. Environmental Litigation Ass'n.

E. Charles Dann, Jr., Stephen E. Marshall (Goodell, DeVries, Leech & Gray, all on brief), Baltimore, for Md. Cas. Co., U.S. Fidelity & Guar. Co., Government Employees Ins. Co., MD. Ass'n of Mut. Ins. Companies and Fidelity and Deposit Co. of MD.

Lee H. Ogburn (Kramon & Graham, both on brief), Baltimore, for John Richard Ludbrooke Youell, on his own behalf and as a representative of similarly situated Cas. Underwriters at Lloyd's, London, and British Ins. Companies Trading in the London Ins. Market.

Stephen C. Wilkinson, County Atty., for Allegany County.

Judson P. Garrett, Jr., County Atty., Stephen M. LeGendre, Deputy County Atty., for Anne Arundel County.

H. Emslie Parks, County Atty., for Baltimore County.

Ralph H. France, II, County Atty., for Washington County.

Edgar A. Baker, Jr., County Atty., for Wicomico County.

Edward H. Hammond, Jr., County Atty., for Worcester County.

William R. Bailey, County Atty., for Calvert County.

Charles W. Thompson, Jr., County Atty., for Carroll County.

H. Norman Wilson, Jr., County Atty., for Cecil County.

John S. Mathias, County Atty., for Frederick County.

Barbara Cook, County Sol., for Howard County.

Joyce R. Stern, County Atty., for Montgomery County.

Joseph R. Densford, County Atty., for St. Mary's County.

Clinton S. Bradley, III, President, Talbot County Council.

James M. Slay, Jr., County Atty., for Talbot County.

Argued before MURPHY, C.J., ELDRIDGE, RODOWSKY, McAULIFFE, KARWACKI and ROBERT M. BELL, JJ., and CHARLES E. ORTH, Jr., Associate Judge of the Court of Appeals, (retired), Specially Assigned.


MURPHY, Chief Judge.

This case focuses upon the meaning and application of certain provisions of a comprehensive general liability (CGL) insurance policy. The primary question presented is whether the insurer must defend or indemnify the insured as a consequence of groundwater pollution discovered on its industrial site, which entailed expenses of removing soil contaminated with hazardous chemicals. The insured initiated the clean-up without legal proceedings having...

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