severability of interests clause in an insurance cover

A policy provision clarifying that, except with respect to the coverage limits, insurance applies to each insured as though a separate policy were issued to each. Thus, a policy containing such a clause will cover a claim made by one insured against another insured."



Purpose of this clause and the purpose of "cross liability clause" is identical.





http://www.irmi.com/online/insurance-glossary/terms/s/severability-of-interests-clause.aspx