Queen City Farms, Inc. v. Central Nat'l Ins. Co
In Queen City Farms, Inc. v. Central Nat'l Ins. Co., 126 Wn.2d 50, 882 P.2d 703 (1994), 891 P.2d 718 (1995) the Court said:
Construction of policy language is for the court and undefined terms should be given their plain, ordinary, and popular meaning in accord with the understanding of the average purchaser of insurance .
The first step is to examine the language of the policies and construe it as a whole.
As noted, coverage for pollution caused damage under the insurance policies is determined by reference to the primary policies under the insurance policies.
To decide what is encompassed by the qualified pollution exclusion found in some of the primary policies, we examine the exclusion in context
.... We are solely concerned with what the qualified pollution exclusion .... means, and that question is resolved in part by reference to the rest of the language of the primary policies, including the "occurrence" definition which they contain. Queen City Farms, 126 Wn.2d at 74-75.