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You are here: Home / CM Tooltip Glossary Pro+ / Primary insurance

Primary insurance

January 30, 2026 by AC Editor

Categories: general, liability

Coverage that applies first before any excess/umbrella.

Related Articles:
  • Excess Insurance Does Not Affect Primary Insurer’s Right To Demand Release
    May 9, 2017 - A Massachusetts Appeals Court case involving a car accident in Swampscott where $10 million in excess insurance legally irrelevant to primary insurer with $1 million primary limit demanding release for insureds even though damages exceed primary policy limits.
  • In A First, Mass. SJC Decides Whether Primary Policy with “Use Of Other Vehicles—Other Insurance” Clause Provides Excess Coverage Only
    SJC ruling result in a primary insurer paying 9% and excess insurer paying 91% of every dollar paid over $1 million on large loss.
  • The Hanover Offers New Opportunities to Independent Agents Via The Manufacturing Sector
  • Too Soon To Tell – Uneven Impact Of COVID-19 In Q1-2020 Results Of Selected Insurers With A Presence In Massachusetts
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  • First Circuit Holds Total Pollution Exclusion Does Not Apply Where An Endorsement May Provide Separate Grant Of Coverage
    An insurance coverage lawsuit in Massachusetts confirming the importance of reading an insurance policy as a whole versus in parts.
  • MA Court Case Resolves Carriers’ Dispute Over Common Insured Stemming From VRBO Guest Lawsuit Against Berkshire Homeowner
    The Federal court in Worcester recently decided a dispute between two insurers over how their insurance policies would apply to a serious liability suit against their common insured.
  • Bill Overhauling Car Rental Insurance Speeds Through Second Branch
    Shifts Liability to a Renter's Personal Auto Insurance
  • Berkshire Reports Lower 2025 Operating Earnings; Insurance Combined Ratio at 87.1%
    Insurance Underwriting and Investment Income Decline; Float Rises to $176 Billion
  • An Undefined Word Costs Federal Insurance Its Coverage Denial
    A case determined entirely by what the word "exhausted" means in an excess liability policy.

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