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Utica Mutual seeks court ruling on coverage for medical-transport injury
The dispute centers on whether the alleged harm occurred after the vehicle ride ended, and whether a completed-operations exclusion or Markel's general liability policy should apply.
Utica Mutual Insurance Company has asked a federal court in Connecticut to decide which insurer must defend and pay a claim tied to a medical-transport incident. In a complaint filed August 12, 2026, the carrier said it does not have to provide coverage for the underlying lawsuit, asserting the responsibility rests with Markel Group.
The dispute stems from an alleged injury after a ride home from a medical appointment on March 27, 2023. According to the complaint, the passenger's estate lawsuit claims the transport companies and a driver knew she could not safely walk inside on her own, left her in her driveway, and she later fell and was seriously hurt.
Insurance Business reports that A&M Limo, a Connecticut transport company, was brought into the underlying suit and turned to Utica for coverage under its commercial auto policy. Utica said it is defending A&M for now under a reservation of rights, while it argues the policy language does not trigger coverage because the passenger had been safely transported and the harm allegedly came after the ride ended, not from the vehicle.
Utica also pointed to a completed-operations exclusion, arguing that coverage ends once the insured's work is done, and that the alleged injuries arose after A&M's work had been completed. Utica claims it asked Markel to take over the defense and reimburse its costs on April 29, 2026, and it told the court that Markel issued a commercial general liability policy that should respond, with the underlying allegations not yet tested in court.