Insurance policies abound with the use of the phrase "arisingout of." Some policies provide coverage for injuries and damagethat arise out of a certain event; other policies exclude coveragefor injuries and damages that arise out of a certain event.

For example, Employers Liability insurance under the standardNCCI Workers Compensation policy notes that in order for coveragefor bodily injury to apply, the injury must "arise out of" theemployee's employment.

And, the med pay coverage under the standard ISO Homeownerspolicy applies to a person off the insured location if the bodilyinjury "arises out of" a condition on the insured location. As anexample of an exclusion, see the standard ISO CGL form; thepollution exclusion in the standard ISO CGL form excludes coveragefor injury or damage "arising out of" the actual or allegeddispersal or escape of pollutants. The Homeowners policy excludescoverage for injury or damage "arising out of" a business conductedfrom an insured location or engaged in by an insured.