XYZ Company is insured under 2 Commercial General Liability policies, both of them being considered primary insurance.

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Question:

XYZ Company is insured under 2 Commercial General Liability policies, both of them being considered primary insurance. Under Policy A, each occurrence has a $1,000,000 limit, while under Policy B each occurrence has a limit of $3,000,000. The XYZ Company is held liable for $2,000,000 in damages arising from one occurrence. Please calculate how much would Policy A and Policy B contribute to fulfill the claim (1) under the contribution by equal shares method and (2) under the contribution by limits method.

ABC company manufactures toys at a leased location and has a Commercial General Liability with the following limits:
General aggregate limit: 3 million
Products-completed operations aggregate limit: 3 million
Each occurrence limit: 1.6 million
Personal and advertising injury limit: 2 million
Damage to premises rented to you limit: 200,000
Medical expense limit: 5,000

Please answer the following situations related to the above case, assuming all 4 situations happen within the policy period:

Situation 1: An ABC employee causes a fire and the fire spreads to another building. The damage to the building ABC leases is 200,000 and the damage to the other building is 800,000. Please apply these damages to the appropriate limits and explain in detail your answer. What is the remaining coverage?

Situation 2: After Situation 1, ABC develops a toy oven that is deployed at a store in the mall where they sell toys. Couple of children sustain burns because of the toy oven and their bodily injury claims are $1,000,000. Please apply these damages to the appropriate limits and explain in detail your answer. What is the remaining coverage after both Situation 1 and Situation 2 take place?

Situation 3: A second toy oven purchased by a customer catches fire and causes damage to the customer's home and injury to the child playing with the oven. There are damages of $1,600,000 awarded. Please apply these damages to the appropriate limits and explain in detail your answer. What is the remaining coverage after Situation 1, Situation 2, and Situation 3 take place?

Situation 4: The ABC company manager at the store in the mall detains a customer and a child for suspected shoplifting even though no evidence of shoplifting was found. The child was injured in the process. The damages awarded were $900,000 for the child's injury and $200,000 for the false detention. Please apply these damages to the appropriate limits and explain in detail your answer. What is the remaining coverage after Situation 1, Situation 2, Situation 3, and Situation 4 take place?