'Arising out of' means what?

The application of this phrase is frequently determined on a case-by-case basis.

By David Thamann | Updated on November 03, 2015

Insurance policies abound with the use of the phrase “arising out of.” Some policies provide coverage for injuries and damage that arise out of a certain event; other policies exclude coverage for injuries and damages that arise out of a certain event.

For example, Employers Liability insurance under the standard NCCI Workers Compensation policy notes that in order for coverage for bodily injury to apply, the injury must “arise out of” the employee’s employment.

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