Skip to main content

R.T. Vanderbilt Co., Inc. v. Hartford Accident & Indemnity Co.

Conn.October 8, 2019No. SC20000, SC20001, SC20003
Facing something similar at work?Check your rights — free, private, no sign-up

Case Details

Judge(s)
Robinson; Palmer; D’Auria; Mullins; Kahn; Ecker
Status — whether other courts must follow this ruling
Published
Procedural Posture — the stage the case had reached
Trial verdict on allocation issues; declaratory judgment action on insurance coverage rights and obligations

Related Laws

No specific laws identified for this ruling.

Outcome

Trial court issued memoranda of decision applying the time on risk rule and continuous trigger theory to determine allocation of defense and indemnification costs among approximately thirty insurance companies for asbestos-related claims against the plaintiff talc miner and seller.

Excerpt

The plaintiff, which previously mined and sold industrial talc that allegedly contained asbestos, sought, inter alia, a declaratory judgment to deter- mine, inter alia, its rights and obligations under certain insurance policies issued by the defendant insurance companies as to the costs of defending and indemnifying the plaintiff in numerous civil actions brought against it for personal injuries sustained allegedly as a result of exposure to asbestos. The defendants consisted of approximately thirty insurance companies, including H Co. and C Co., primary insurers that issued certain insurance policies to the plaintiff between 1948 and 2008, when it mined and sold talc, and L Co., M Co., and P Co., secondary insurers that issued umbrella or excess coverage to the plaintiff during that same period. Prior to trial, the court issued certain scheduling orders separating the trial into four phases, the first two of which were tried to the court and focused on issues pertaining to how defense and indem- nification costs were to be allocated between the plaintiff and the defen- dants, specifically with respect to long latency claims alleging that the claimants' exposure to asbestos caused a series of injuries that devel- oped gradually over the course of years, thereby implicating multiple insurance policy periods. The court also considered, inter alia, whether certain pollution and occupational disease exclusions in some of the secondary insurance policies precluded coverage. After the first two phases of the trial were complete, the trial court issued memoranda of decision applying the time on the risk rule of contract law, which pro- vides for pro rata allocation of defense and indemnity costs for asbestos related disease claims, in order to determine how to allocate those costs among the parties. In doing so, the trial court adopted the continuous trigger theory of insurance coverage, pursuant to which every insurer that had issued a policy in effect from the date that

What This Ruling Means

**What This Case Was About** R.T. Vanderbilt Company, which used to mine and sell industrial talc, faced numerous lawsuits from people who claimed they got sick from asbestos exposure through the company's talc products. The company had insurance policies with about 30 different insurance companies over the years. When the lawsuits started piling up, Vanderbilt went to court asking for a ruling on which insurance companies should pay for the legal defense costs and any money owed to injured workers. **What the Court Decided** The Connecticut court used two legal principles to divide up the costs among the insurance companies. The court looked at when each insurance policy was active and applied rules about how long-term exposure cases should be handled. The court issued a detailed decision explaining how the defense costs and compensation payments should be split among all the insurance companies that had covered Vanderbilt over the years. **Why This Matters for Workers** This ruling helps ensure that workers who suffer from long-term occupational illnesses like asbestos-related diseases can still get compensation even when their cases involve multiple insurance companies and span many years. The decision clarifies that insurance companies cannot easily avoid paying claims by arguing about which policy period applies, making it more likely that injured workers will receive the full compensation they deserve.

This summary was generated to explain the ruling in plain English and is not legal advice.

Similar Rulings

Dodge
Conn.Apr 2026

Pursuant to the Workers' Compensation Act (§ 31-293 (a)), an injured employee may assert a claim against and recover damages from a tortfeasor who is allegedly liable for the employee's work-related injury, even if the employee is entitled to workers' compensation benefits for that injury, and an employer that has paid or has become obligated to pay those benefits to the employee "shall have a lien upon any judgment . . . or any settlement received by the employee from the [tortfeasor]." The plaintiff, as executrix of the decedent's estate and as the decedent's surviving spouse, had filed for workers' compensation benefits after the decedent died of mesothelioma, which was caused in substantial part by his exposure to products containing asbestos during the course of his employ- ment with the defendants, the Commissioner of Motor Vehicles and the town of Manchester. Prior to filing her claims for benefits, the plaintiff settled numerous product liability actions that she had brought against the manu- facturers and suppliers of the products containing asbestos to which the decedent had been exposed, with 70 percent of the net settlement proceeds awarded to the decedent's estate as damages for his personal injuries and death, and 30 percent of the proceeds awarded to the plaintiff for her loss of consortium. With respect to the plaintiff's claim for workers' compensation benefits, an administrative law judge of the Workers' Compensation Commis- sion found that the decedent's exposure to asbestos, both at home and during the course of his employment with the defendants, was a significant factor in causing the decedent to develop mesothelioma. Because the decedent's meso- thelioma was caused in substantial part by this exposure to asbestos during his employment, total incapacity benefits were awarded to the decedent's estate and survivor's benefits were awarded to the plaintiff. The administra- tive law judge determined, however, that the defendants, as the decedent's e

Defendant Win
Ajdini
Conn.Apr 2024

Pursuant to statute (§ 31-294c (b)), whenever an employer contests liability to pay workers' compensation benefits, the employer ''shall file'' with the workers' compensation administrative law judge, on or before the twenty-eighth day after the employer has received the employee's written notice of claim, a notice of intention to contest the employee's right to compensation benefits. The defendants, F Co. and F Co.'s insurer and third-party workers' compensa- tion benefit administrator, appealed from the decision of the Compensa- tion Review Board, which upheld the decision of the administrative law judge precluding the defendants from contesting liability for injuries sustained by the plaintiff during the course of his employment with F Co. Within twenty-eight days of receiving the plaintiff's notice of claims, F Co. mailed to the administrative law judge a notice of intention to contest the plaintiff's right to compensation benefits pursuant to § 31- 294c (b), but the administrative law judge did not receive the notice of intention until after the twenty-eight day statutory period elapsed. The administrative law judge thereafter granted the plaintiff's motion to preclude the defendants from contesting liability, concluding that, because F Co. had failed to commence payment for the claims or file its notice of intention to contest within twenty-eight days following receipt of the plaintiff's notice of claims, as required by § 31-294c (b), the defendants were presumed to have accepted the compensability of the plaintiff's alleged injuries and precluded from contesting his claims. The board upheld the administrative law judge's decision, and, there- after, the defendants appealed. Held that the board properly upheld the administrative law judge's decision to preclude the defendants from contesting liability, as F Co. did not file its notice of intention to contest with the administrative law judge on or before the twenty-eighth day after receiving the plaintiff's no

Plaintiff Win
Ajdini
Conn.Apr 2024

Pursuant to statute (§ 31-294c (b)), whenever an employer contests liability to pay workers' compensation benefits, the employer ''shall file'' with the workers' compensation administrative law judge, on or before the twenty-eighth day after the employer has received the employee's written notice of claim, a notice of intention to contest the employee's right to compensation benefits. The defendants, F Co. and F Co.'s insurer and third-party workers' compensa- tion benefit administrator, appealed from the decision of the Compensa- tion Review Board, which upheld the decision of the administrative law judge precluding the defendants from contesting liability for injuries sustained by the plaintiff during the course of his employment with F Co. Within twenty-eight days of receiving the plaintiff's notice of claims, F Co. mailed to the administrative law judge a notice of intention to contest the plaintiff's right to compensation benefits pursuant to § 31- 294c (b), but the administrative law judge did not receive the notice of intention until after the twenty-eight day statutory period elapsed. The administrative law judge thereafter granted the plaintiff's motion to preclude the defendants from contesting liability, concluding that, because F Co. had failed to commence payment for the claims or file its notice of intention to contest within twenty-eight days following receipt of the plaintiff's notice of claims, as required by § 31-294c (b), the defendants were presumed to have accepted the compensability of the plaintiff's alleged injuries and precluded from contesting his claims. The board upheld the administrative law judge's decision, and, there- after, the defendants appealed. Held that the board properly upheld the administrative law judge's decision to preclude the defendants from contesting liability, as F Co. did not file its notice of intention to contest with the administrative law judge on or before the twenty-eighth day after receiving the plaintiff's no

Plaintiff Win
Hartford Police Dept. v. Commission on Human Rights & Opportunities
Conn.Jul 2023

The defendant P filed a complaint with the named defendant, the Commis- sion on Human Rights and Opportunities, alleging that P's former employer, the plaintiff, the Hartford Police Department, had discrimi- nated against P on the basis of his ancestry. Upon graduating from the police academy, P, who is Vietnamese, began a probationary period of employment, which included a field training program and during which superior officers were required to complete daily observation reports evaluating his performance. P received a satisfactory rating upon com- pletion of the field training program and then continued to receive generally satisfactory daily evaluations from his superior officers, includ- ing K, who previously had been disciplined for making discriminatory and/or racist remarks to other individuals. Subsequently, on two separate occasions, K made certain remarks to P about his grammar and writing skills, criticizing P's accent, inquiring into P's ethnicity, nationality, edu- cational background, and whether the Hartford citizens with whom P interacted could understand him. When P indicated that he would file a grievance against K if he did not stop making such comments, K stated that P should ''watch what [he says] or [he] won't be around [for] long.'' K told other superior officers about his interactions with P and sent a memo to the commander of the police academy, calling P argumentative and confrontational. Thereafter, multiple officers began, for the first time, to label P as argumentative and confrontational in their daily observation reports. One officer wrote a memo noting that numerous daily observation reports were missing from P's file. In addition, days after K sent his memo to the commander, P was contacted about an incident that had occurred seven months earlier during field training, when P lost a piece of the hat to his uniform. When interviewed by the commander, P stated that, at the time he lost the hat piece, he had been ordered by his superi

Plaintiff Win

Browse Related

Facing something similar at work?

Court rulings like this one are useful, but every situation is different. Take 2 minutes to see which laws may protect you — it's free, private, and no account is required to start.

This ruling information is sourced from public court records via CourtListener.com. Case outcomes, claim types, and summaries are extracted using AI analysis and may be incomplete or inaccurate. It is provided for informational and educational purposes only and does not constitute legal advice.

See something wrong, or named in this ruling and want it corrected or redacted? Request a correction.