of Montgomery Towers. ‘All-risks” first-party insurance coverage, such as the coverage at issue in the instant case, does not protect against losses that are certain to happen. See Intermetal Mexicana, S.A. v. Insurance Co. of N. Am., 866 F.2d 71, 77 (3rd. Cir. 1989); Standard Structural Steel Co. v. Bethlehem Steel Corp., 597 F.Supp. 164, 191 (D.Conn.1984); Chu v. Canadian Indem. Co., 224 Cal.App.3d 86, 274 Cal.Rptr. 20, 26 (1990); Miller v. Boston Ins. Co., 420 Pa. 566, 218 A.2d 275, 277 (1966); Glassner v. Detroit Fire and Marine Ins. Co., 23 Wis.2d 532, 127 N.W.2d 761, 764 (1964). A related principle is that “all-risks” insurance does not cover loss for events that occur prior to issuance of the policy. See Nevers v. Aetna Ins. Co., 14 Wash.App. 906, 546 P.2d 1240, 1241 (1976) (<HOLDING>). In this case, the underlying problem causing
holding that the date of discrimination is the date on which a decision not to hire a plaintiff becomes effective holding that the commission on remand can set the effective date of a rate to be the effective date of the original commission activity holding that an allrisks policy does not cover undisclosed events which take place prior to the effective date of coverage holding that an amendment to a policy in existence prior to the effective date of a statute requiring uninsured motorist coverage which substituted insured automobiles did not incorporate the new statute because to do so would be an unconstitutional impairment of the obligation of the contract holding that the statute does not apply retroactively to claims accruing prior to the effective date