{"id":1492,"date":"2024-12-02T16:07:22","date_gmt":"2024-12-02T16:07:22","guid":{"rendered":"https:\/\/fenchurchlaw.com\/en-uk\/?p=1492"},"modified":"2024-12-04T10:34:27","modified_gmt":"2024-12-04T10:34:27","slug":"climate-risks-series-part-3-aloha-v-aig-liability-cover-for-reckless-environmental-harm","status":"publish","type":"post","link":"https:\/\/fenchurchlaw.com\/en-uk\/climate-risks-series-part-3-aloha-v-aig-liability-cover-for-reckless-environmental-harm\/","title":{"rendered":"Climate Risks Series, Part 3: Aloha v AIG &#8211; Liability Cover for Reckless Environmental Harm"},"content":{"rendered":"<p><strong><em><u>Aloha v AIG &#8211;<\/u><\/em><\/strong><strong><u> Liability Cover for Reckless Environmental Harm<\/u><\/strong><\/p>\n<p>Increasing numbers of claims are proceeding around the world alleging that the public were misled about the risks associated with climate change, resulting from fossil fuels and greenhouse gas (\u201cGHG\u201d) emissions.<\/p>\n<p>A recent decision in the Supreme Court of Hawaii, <em>Aloha Petroleum Ltd v National Union Fire Insurance Co. of Pittsburgh and American Home Insurance Co. <\/em>[2024]<em>, <\/em>held that an \u201coccurrence\u201d in this context included the consequences of reckless conduct, and GHG emissions were a \u201cpollutant\u201d for purposes of a pollution exclusion under a commercial general liability policy.<\/p>\n<p><strong>Background<\/strong><\/p>\n<p>The Appellant, Aloha Petroleum Ltd (\u201cAloha\u201d), was insured with two subsidiaries of AIG under a series of liability policies, in respect of its business as one of the largest petrol suppliers and convenience store operators in Hawaii.<\/p>\n<p>The counties of Honolulu and Maui sued several fossil fuel companies, including Aloha, claiming that the defendants knew of the effects of climate change and had a duty to warn the public about the dangers of their products. It was alleged that the defendants acted recklessly by promoting climate denial, increasing the use of fossil fuels and emitting GHGs, causing erosion, damage to water infrastructure and increased risks of flooding, extreme heat and storms.<\/p>\n<p>Aloha sought indemnity under the policies and AIG refused to defend the underlying claims, alleging that the harm caused by GHGs was foreseeable and therefore not \u201caccidental\u201d; and alternatively, seeking to rely upon an exclusion to cover for losses arising from pollution.<\/p>\n<p>Aloha issued proceedings seeking a declaration that the policies would respond, and the District Court of Hawaii referred the following questions to the Supreme Court, to assist with determining the parties\u2019 motions for summary judgment:<\/p>\n<ul>\n<li>Does an \u201caccident\u201d include recklessness, for purposes of the policy definition of \u201coccurrence\u201d?<\/li>\n<li>Are greenhouse gases \u201cpollutants\u201d within the meaning of the pollution exclusion?<\/li>\n<\/ul>\n<p><strong>Policy Wording<\/strong><\/p>\n<p>The policies provided occurrence-based coverage, with two different definitions of \u201coccurrence\u201d for the relevant periods:<\/p>\n<ul>\n<li>\u201c<em>an accident, including continuous or repeated exposure to substantially the same general harmful conditions<\/em>\u201d, or<\/li>\n<li><em>\u201can accident, including continuous or repeated exposure to conditions, which results in bodily injury or property damage neither expected nor intended from the standpoint of the insured\u201d <\/em><\/li>\n<\/ul>\n<p>The pollution exclusion clauses varied across the policies, but the differences were immaterial for purposes of the issues before the Supreme Court.<\/p>\n<p>The 2004-2010 policy excluded cover for:<\/p>\n<p><em>\u201cBodily injury\u201d or \u201cproperty damage\u201d which would<\/em> <em>not have occurred in whole or part but for the actual,<\/em> <em>alleged, or threatened discharge, dispersal, seepage,<\/em> <em>migration, release or escape of \u201cpollutants\u201d at any time.<\/em><\/p>\n<p><em>. . . .<\/em><\/p>\n<p><em>\u201cPollutants\u201d [mean] \u201cany solid, liquid, gaseous or<\/em> <em>thermal irritant or contaminant, including smoke, vapor,<\/em> <em>soot, fumes, acids, alkalis, chemicals and waste.\u201d<\/em><\/p>\n<p><strong>Is Reckless Conduct Accidental?<\/strong><\/p>\n<p>Aloha argued that it was entitled to indemnity, as the allegations of recklessness were sufficient to establish an \u201caccident\u201d and therefore an \u201coccurrence\u201d under the policies. Aloha relied on <em>Tri-S Corp v Western World Ins. Co. <\/em>(2006), which held &#8211; in the context of unintentional personal injury resulting from proximity to high voltage power lines &#8211; that reckless conduct is accidental, unless intended to cause harm, or expected to with practical certainty.<\/p>\n<p>AIG claimed that Aloha understood the climate science, and the environmental damage was intentional, not fortuitous. It relied on <em>AIG Hawaii Ins. Co. v Caraang <\/em>(1993), which held &#8211; in the context of torts involving obvious physical violence &#8211; that an \u201coccurrence\u201d requires an injury which is not the expected or reasonably foreseeable result of the insured\u2019s own intentional acts or omissions.<\/p>\n<p>The Supreme Court agreed with Aloha, ruling that:<\/p>\n<p>\u201c<em>when an insured perceives a risk of harm, its conduct is an \u2018accident\u2019 unless it intended to cause harm or expected harm with practical certainty \u2026 interpreting an \u2018accident\u2019 to include reckless conduct honors the principle of fortuity. The reckless insured, by definition, takes risk.\u201d\u00a0 <\/em><\/p>\n<p><strong>Are GHGs \u201cPollutants\u201d?<\/strong><\/p>\n<p>Aloha argued that GHGs are not pollutants, because they are not \u201cirritants\u201d (applicable in the context of personal injury, not property damage) or \u201ccontaminants\u201d. The drafting history was said to indicate that the exclusion should be limited to clean-up costs for traditional pollution caused by hazardous waste from the insured\u2019s operations, not liability resulting from its finished products.<\/p>\n<p>The Supreme Court held that a \u201ccontaminant\u201d, and therefore \u201cpollutant\u201d for purposes of the exclusion, is determined by whether damage is caused by its presence in the environment. Although a single molecule of carbon dioxide would not be viewed as pollution, a fact-specific analysis is required, and the Supreme Court was satisfied that Aloha\u2019s gasoline production is causing harmful climate change. This approach was supported by the regulation of GHG emissions in Hawaii and the federal Clean Air Act.<\/p>\n<p>Not all of the policies contained a pollution exclusion clause, however, and the question of whether AIG is required to indemnify Aloha for that policy period (covering 1986 to 1987) will now be considered by the District Court.<\/p>\n<p><strong>Impact On Policyholders<\/strong><\/p>\n<p>The finding that reckless conduct is covered by liability policies in the context of climate harms is highly significant and will be welcomed by energy companies.<\/p>\n<p>While the issues are yet to be fully explored in European jurisdictions, it is interesting to compare the UK Supreme Court decision in <a href=\"https:\/\/fenchurchlaw.com\/deliberate-acts-exclusion-disapplied-supreme-court-decision-on-public-liability\/\"><em>Burnett v Hanover<\/em> [2021]<\/a>, where merely reckless conduct was insufficient to engage a \u2018deliberate acts\u2019 exclusion in a public liability policy; and the recent decision in <a href=\"https:\/\/fenchurchlaw.com\/a-win-win-for-policyholders\/\"><em>Delos Shipping v Allianz<\/em> [2024]<\/a>, confirming that a defence based on lack of fortuity requires the insurer to establish that consequences of the insured\u2019s actions were inevitable, i.e. \u201c<em>bound to eventuate in the ordinary course<\/em>\u201d.<\/p>\n<p>The precise wording of any pollution or climate change exclusion should be carefully considered prior to inception of the policy period. The causative language used can significantly alter the scope of coverage and prospects of indemnity (see, for example, <em>Brian Leighton v Allianz<\/em> [2023]).<em>\u00a0<\/em><\/p>\n<p><strong>Authors:<\/strong><\/p>\n<p><a href=\"https:\/\/fenchurchlaw.com\/people\/amy-lacey\/\" target=\"_blank\" rel=\"noopener\">Amy Lacey, Partner<\/a><\/p>\n<p><a href=\"https:\/\/fenchurchlaw.com\/people\/ayobami-babatunde\/\" target=\"_blank\" rel=\"noopener\">Ayo Babatunde, Associate<\/a><\/p>\n<p><strong>Climate Risk Series:<\/strong><\/p>\n<p><a href=\"https:\/\/fenchurchlaw.com\/climate-risks-series-part-1-climate-litigation-and-severe-weather-fuelling-insurance-coverage-disputes\/\">Part 1: Climate litigation and severe weather fuelling insurance coverage disputes<\/a><\/p>\n<p><a href=\"https:\/\/fenchurchlaw.com\/flood-and-storm-risk-keeping-policyholders-afloat\/\">Part 2: Flood and Storm Risk \u2013 Keeping Policyholders Afloat<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Aloha v AIG &#8211; Liability Cover for Reckless Environmental Harm Increasing numbers of claims are proceeding around the world alleging [&hellip;]<\/p>\n","protected":false},"author":70,"featured_media":1493,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3],"tags":[296,341],"class_list":["post-1492","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-property-risks","tag-reinsurance-international-risks"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Climate Risks Series, Part 3: Aloha v AIG - Liability Cover for Reckless Environmental Harm - Fenchurch Law UK<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fenchurchlaw.com\/en-uk\/climate-risks-series-part-3-aloha-v-aig-liability-cover-for-reckless-environmental-harm\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Climate Risks Series, Part 3: Aloha v AIG - Liability Cover for Reckless Environmental Harm - Fenchurch Law UK\" \/>\n<meta property=\"og:description\" content=\"Aloha v AIG &#8211; 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