8 canonical passages across 6 cases, quoted by 50 opinions in total. These passages cluster together because the same opinions keep quoting them side by side — they state parts of one doctrine. The anchor passage is from Staples v. FARMERS UNION MUTUAL INSURANCE COMPANY.
| # | Case | Flag | Canonical passage | Citers |
|---|---|---|---|---|
| 1 | Staples v. FARMERS UNION MUTUAL INSURANCE COMPANY Anchor | green | “construe the factual assertions from the perspective of the insured.” | 7 |
| 2 | Staples v. FARMERS UNION MUTUAL INSURANCE COMPANY | green | “fundamental protective purpose of an insurance policy,” | 7 |
| 3 | Staples v. FARMERS UNION MUTUAL INSURANCE COMPANY | green | “unequivocal demonstration that the claim against an insured does not fall within the insurance policy's coverage.” | 7 |
| 4 | Skinner v. Allstate Insurance Co. | green | “where there is no duty to defend, it follows that there can be no duty to indemnify.” | 7 |
| 5 | State Farm Mutual Automobile Insurance v. Freyer | green | “arises only if coverage under the policy is actually established.” | 6 |
| 6 | Tidyman's Manangement Services Inc. v. Davis | green | “duty to defend arises when a complaint against an insured alleges facts, which if proved, would result in coverage.” | 6 |
| 7 | Lloyd A. Twite Family Partnership v. Unitrin Multi Line Insurance | green | “where a claim falls unequivocally outside the policy's coverage, however, there is nothing for the court to construe, and no reason to impose a duty to defend.” | 5 |
| 8 | Employers Mutual Casualty Co. v. Fisher Builders, Inc. | green | “1) whether the act itself was intentional, and 2) if so, whether the consequence or resulting harm stemming from the act was intended or expected from the actor's standpoint.” | 5 |
A red or yellow flag on a member means the underlying case has negative treatment — for those, check the case page before relying on the passage.