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Simple English definitions for legal terms
continuous trigger
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A quick definition of continuous trigger:
A continuous trigger is a theory used in insurance that states that all insurers who covered a risk from the first day a person was exposed to a harmful product (like asbestos) until the date of diagnosis or death must cover the loss. This means that even if the exposure happened over a long period of time, all insurers are responsible for the claim. This is also known as the triple trigger. Other theories used in insurance include the actual-injury trigger, exposure theory, and manifestation theory.
A more thorough explanation:
Continuous trigger is a theory of insurance coverage that states that all insurers who provided coverage for a risk from the day a claimant is first exposed to an injury-producing product, such as asbestos, until the date of diagnosis or death, whichever occurs first, must cover the loss.
For example, if a person was exposed to asbestos while working for a company in the 1980s, but did not develop mesothelioma until 2020, all insurance companies that provided coverage for the company during the person's employment must cover the cost of the person's medical treatment and other related expenses.
This theory is also known as triple trigger and is different from other theories of insurance coverage, such as actual-injury trigger and manifestation theory.