Article ID: 7a886aaaccae1d4e566a83bd9c8a7e198ccd1d82ed467dd9949eb29ba2d0a975
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URL: https://www.businessinsurance.com/allianz-must-face-cooler-coverage-suit-over-finger-injuries/
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Allianz must face cooler coverage suit over finger injuries - Business Insurance Skip to content Register for free Search Search Log In Risk Management Cyber Risks Pricing Trends Mergers & Acquisitions Technology Sponsored Content WSIA RISKWORLD Workers Comp & Safety Workers Comp Cost Control Pain Management Workplace Safety International EMEA Asia-Pacific Latin America People Events BI Intelligence Top 100 Agents & Brokers Best Places to Work 2026 Lists Directories Insurance Pricing BI Stock Index Magazine Current Issue Past Issues Subscribe Women to Watch ALL INsurance Resources Risk Perspectives Sponsored Content Webinars White Papers Risk Management Cyber Risks Pricing Trends Mergers & Acquisitions Technology Sponsored Content WSIA RISKWORLD Workers Comp & Safety Workers Comp Cost Control Pain Management Workplace Safety International EMEA Asia-Pacific Latin America People Events BI Intelligence Top 100 Agents & Brokers Best Places to Work 2026 Lists Directories Insurance Pricing BI Stock Index Magazine Current Issue Past Issues Subscribe Women to Watch ALL INsurance Resources Risk Perspectives Sponsored Content Webinars White Papers Risk Management Cyber Risks Pricing Trends Mergers & Acquisitions Technology Sponsored Content WSIA RISKWORLD Workers Comp & Safety Workers Comp Cost Control Pain Management Workplace Safety International EMEA Asia-Pacific Latin America People Events BI Intelligence Top 100 Agents & Brokers Best Places to Work 2026 Lists Directories Insurance Pricing BI Stock Index Magazine Current Issue Past Issues Subscribe Women to Watch ALL INsurance Resources Risk Perspectives Sponsored Content Webinars White Papers Risk Management Cyber Risks Pricing Trends Mergers & Acquisitions Technology Sponsored Content WSIA RISKWORLD Workers Comp & Safety Workers Comp Cost Control Pain Management Workplace Safety International EMEA Asia-Pacific Latin America People Events BI Intelligence Top 100 Agents & Brokers Best Places to Work 2026 Lists Directories Insurance Pricing BI Stock Index Magazine Current Issue Past Issues Subscribe Women to Watch ALL INsurance Resources Risk Perspectives Sponsored Content Webinars White Papers Allianz must face cooler coverage suit over finger injuries by Richard Sine Claims Disputes , General liability Allianz Oct 15, 2026 An Allianz unit must face a lawsuit over its refusal to defend cooler maker Igloo against customer class actions claiming a defective handle pinched users’ fingers, a federal judge ruled, though two of the underlying lawsuits fall outside coverage. The decision, in Igloo Products Corp. v. Allianz Global Risks US Insurance Company , was issued Wednesday by the U.S. District Court for the Northern District of Illinois. Igloo recalled about 1 million 90-quart coolers in February 2025 after a dozen injury complaints, including fingertip amputations, bone fractures and lacerations, according to the U.S. Consumer Product Safety Commission. Igloo, based in Katy, Texas, is a unit of Sweden’s Dometic Group. Allianz issued Dometic four commercial general liability policies from 2021 to 2025, under which it agreed to defend lawsuits seeking damages because of bodily injury, court records show. In 2025, buyers of Igloo’s Flip & Tow 90 QT coolers filed five individual class actions and one consolidated class action over the handle. The judge found that four of the six plausibly allege bodily injury, while two others did not. The judge rejected Allianz’s argument that the causes of action in the suits foreclosed coverage. A duty to defend, she wrote, “depends on the facts alleged in the actions — not the legal theories raised by those facts.” She also found the alleged injuries plausibly resulted from an “occurrence,” meaning an accident, because the complaints say Igloo was negligent or “knew or should have known” of the defect. She dismissed the claims tied to two of the actions but denied Allianz’s motion as to the three other individual class actions and the consolidated class action. 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