A Minnesota federal court, applying Minnesota law, has held that no coverage exists under a general liability policy for claims involving a defective adhesive product because the claims were first made before the policy incepted.  Ritrama, Inc. v. HDI-Gerling America Insurance Co., 2014 WL 4829088 (D. Minn. Sept. 29, 2014).  In so holding, the court concluded that communications sent to the insured stating that the insured may be liable for damages constituted a “claim.”