The New York Court of Appeals in Hiraldo v. Allstate Ins. Co. wrote a straightforward opinion concerning the interpretation of a non-cumulation clause in a business liability policy (see detailed facts in prior post).   The Court of Appeals held that the non-cumulation clause was fatal to the insured’s claim that it was entitled to coverage for the policy limits of all three successive insurance policies.  The injured party in the underlying action sustained injuries from his continuous exposure to lead paint in the insured’s building all throughout the policy periods.