Commercial Liability Policy Doesn’t Protect Against Claim by Volunteer
“Employee” exclusion applies to death of member helping association load tractor pull sled
A magistrate judge in Missouri has ruled that the provider of a commercial liability policy to a nonprofit antique tractor club is not required to defend or indemnify the association and a group of individual members against the death claim of another member killed while helping move the club’s tractor pull sled. The magistrate said the case was controlled by the policy’s “employee” exclusion. ( Atlantic Casualty Insurance Company v. River Hills Antique Tractor Club, E.D. MO, No. 1:10CV 72, 1/9/12 .)
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