Royal Indemnity Co. v. Kuhr

Hall, Judge.

The plaintiff in this case was the insured under a comprehensive liability policy issued by the defendant to “Home Builders, R. M. Ruhr, d/b/a” as named insured and showing that “Business of the named insured is Contractor.” One of the coverages of the policy was “Property Damage Liability—Except Automobile,” which provided that the insurer “Agrees with the insured ... To pay on behalf of the insured all sums which the insured shall become legally obligated to pay as damages because of injury to or destruction of property, including the loss of use thereof, caused by accident.”

A…