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Zurich unit freed from covering NFL concussion settlement - 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 Zurich unit freed from covering NFL concussion settlement by Richard Sine Excess and Surplus Lines , General liability Zurich Oct 2, 2026 A Zurich American Insurance unit does not have to help pay for the NFL’s roughly $1 billion concussion settlement with former players, an appeals court ruled Thursday. In Discover Property & Casualty Company v. National Football League , the Appellate Division, First Department, in New York held that American Guarantee and Liability Insurance has no duty to reimburse the league under its 2001-02 excess policy, which applies only above $51 million in underlying coverage. The unanimous five-member panel agreed that “each player’s alleged injury constituted at least one separate ‘occurrence.’” Because each player’s claim counts separately, none reached the level needed to trigger American Guarantee’s policy, the court said. The ruling was less favorable for another NFL insurer, Fairfax Financial unit TIG, which issued the primary policy that American Guarantee and Liability followed. TIG had argued that the players’ head injuries do not constitute covered “occurrences” under the policy “because they are an inherent risk of the intentional violent impacts intrinsic to NFL play.” But “the occurrence here is the alleged development of neurodegenerative diseases, not the impacts or concussions endured during the games,” the court wrote. Further, TIG’s “own expert opined that neurological diseases were not inherent in football.” TIG had also argued “that all player injuries constituted a single occurrence arising out of the NFL’s ‘concealment and misrepresentations of the alleged risks of football.’” The court rejected that idea, noting that “each head impact was sustained by different players, at different times, in different places, throughout the entirety of each player’s career, and over several decades.” Finally, the court reversed a lower-court finding that NFL football is a “product” under the policies’ product-liability section, which may have capped TIG’s exposure. The judge said TIG policies defined a product as “any goods or products” and the goal of product-hazards coverage was to insure “the party who is responsible for sending goods into the stream of commerce.” Separately, the panel found the settlement reasonable. 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