{"id":2917,"date":"2014-01-21T10:44:14","date_gmt":"2014-01-21T16:44:14","guid":{"rendered":"http:\/\/injury.robertkreisman.com\/?p=2917"},"modified":"2019-10-28T10:35:52","modified_gmt":"2019-10-28T10:35:52","slug":"insurance-liability-exclusion-upheld-chicagos-u-s-court-appeals","status":"publish","type":"post","link":"https:\/\/www.robertkreisman.com\/injury-lawyer\/insurance-liability-exclusion-upheld-chicagos-u-s-court-appeals\/","title":{"rendered":"Insurance Liability Exclusion Upheld by Chicago\u2019s  U.S. Court of Appeals"},"content":{"rendered":"<p><!--[if gte mso 9]&gt;--><\/p>\n<p>Phusion Projects Inc. manufactures and distributes the alcoholic beverage <a href=\"http:\/\/en.wikipedia.org\/wiki\/Four_Loko\">Four Loko<\/a>.<span>\u00a0<\/span>The product contains alcohol in addition to caffeine, <a href=\"http:\/\/www.webmd.com\/vitamins-and-supplements\/lifestyle-guide-11\/supplement-guide-guarana\">guarana,<\/a> taurine and wormwood.<span>\u00a0<\/span>Guarana is a plant that has one of the highest concentrations of caffeine in any plant.<span>\u00a0<\/span>It\u2019s often used as a supplement to energy drinks, including this one.<span>\u00a0<\/span><a href=\"http:\/\/www.mayoclinic.org\/taurine\/expert-answers\/faq-20058177\">Taurine <\/a>is an organic acid or an amino acid that some research shows may be a contributing factor to improved athletic performances.<span>\u00a0<\/span><a href=\"http:\/\/www.webmd.com\/vitamins-supplements\/ingredientmono-729-WORMWOOD.aspx?activeIngredientId=729&amp;activeIngredientName=WORMWOOD\">Wormwood <\/a>is an herb.<span>\u00a0<\/span>Some uses of wormwood are said to be for digestive disorders and to increase sexual desires and stimulate the imagination.<span>\u00a0 W<\/span>ormwood is also used for healing wounds and countering insect bites.<span>\u00a0<\/span>It is also used in some alcoholic beverages, such as vermouth and absinthe.<span>\u00a0<\/span><\/p>\n<p class=\"MsoNormal\">Phusion purchased insurance coverage from two members of the Liberty Mutual Group.<span>\u00a0<\/span>Both of the insurance policies contained clauses that excluded coverage for bodily injury or property damage when Phusion could be held responsible by reason of causing or contributing to intoxication.<\/p>\n<p class=\"MsoNormal\">Phusion was sued by five separate plaintiffs.<span>\u00a0<\/span>All of them alleged that the consumption of Four Loko caused their injuries in whole or in part.<\/p>\n<p class=\"MsoNormal\"> <a href=\"https:\/\/www.robertkreisman.com\/injury-lawyer\/insurance-liability-exclusion-upheld-chicagos-u-s-court-appeals\/#more-2917\" class=\"more-link\">Continue reading<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Phusion Projects Inc. manufactures and distributes the alcoholic beverage Four Loko.\u00a0The product contains alcohol in addition to caffeine, guarana, taurine and wormwood.\u00a0Guarana is a plant that has one of the highest concentrations of caffeine in any plant.\u00a0It\u2019s often used as a supplement to energy drinks, including this one.\u00a0Taurine is an organic acid or an amino [&hellip;]<\/p>\n","protected":false},"author":795,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"enabled":false},"version":2}},"categories":[99,19,103,76],"tags":[],"class_list":["post-2917","post","type-post","status-publish","format-standard","hentry","category-dietary-supplement-litigation","category-insurance-claims","category-mass-tort-cases","category-product-liability"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Insurance Liability Exclusion Upheld by Chicago\u2019s U.S. Court of Appeals &#8212; Chicago Injury Lawyer Blog<\/title>\n<meta name=\"description\" content=\"Phusion Projects Inc. manufactures and distributes the alcoholic beverage Four Loko.\u00a0The product contains alcohol in addition to caffeine, guarana,\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.robertkreisman.com\/injury-lawyer\/insurance-liability-exclusion-upheld-chicagos-u-s-court-appeals\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Insurance Liability Exclusion Upheld by Chicago\u2019s U.S. Court of Appeals &#8212; Chicago Injury Lawyer Blog\" \/>\n<meta name=\"twitter:description\" content=\"Phusion Projects Inc. manufactures and distributes the alcoholic beverage Four Loko.\u00a0The product contains alcohol in addition to caffeine, guarana,\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Robert Kreisman\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Insurance Liability Exclusion Upheld by Chicago\u2019s U.S. Court of Appeals &#8212; 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