Van Hoesen v. Lloyd’s of London

Mark Van Hoesen was seriously injured when he fell from a deck. Van Hoesen and his wife (together, Plaintiffs) filed an amended complaint alleging negligence against Lloyd’s of London, the insurer of the contractor who constructed the deck. The trial court granted summary judgment for Lloyd’s on the grounds that the insurance policy had been canceled and had expired long before the injuries alleged in Plaintiffs’ complaint occurred. The Supreme Court affirmed, holding (1) from the terms of the contract, for Plaintiffs’ claims to be covered, the “bodily injury” must also have occurred during the policy period; and (2) therefore, the insurance company had no duty to provide coverage for the bodily injury that happened outside the policy period. View "Van Hoesen v. Lloyd’s of London" on Justia Law