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Sudden and Accidental - Is it Really a Thing?

This column for National Underwriter P&C discusses the concept of "sudden and accidental" and how it is not required for most covered losses.

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If you’ve been in insurance for any length of time, you’ve heard the phrase “sudden and accidental”, meaning that the cause of loss must be just that, sudden and accidental. It is routinely tossed around as if it has been standard wording forever, and is a key factor in determining whether a loss is covered. Adjusters and agents often use the term sudden and accidental, in particular when setting parameters as to why a loss should or should not be covered.

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