No Coverage for Torture Defendants

The U.S. Court of Appeals for the 4th Circuit has ruled that an insurance carrier for CACI International, a government contractor that provided its services in Iraq, has no duty to defend against claims that CACI’s employees tortured and abused detainees at Abu Ghraib prison.

The carrier, St. Paul Fire & Marine Insurance Company, issued a CGL policy to CACI with limits of $2 million.  The policy contained a coverage territory defined as the U.S. and its territories, Canada, and Puerto Rico, but stated that it would provide coverage for injuries in other parts of the world, provided “they result from the activities of a person whose home is in the coverage territory, but is away from there for a short time on your buisness.”

In its opinion, the Court held that the “short time” exception did not apply, as the complaints “allege a pattern and conduct that spanned several years.”

they result from the activities of a person whose
home is in the coverage territory, but is away
from there for a short time on your bu

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