Frankenmuth Mutual Insurance v. Masters

This is an action for declaratory judgment. Frankenmuth Mutual Insurance Company seeks a determination of its obligation to indemnify its insureds for collateral property damage resulting from the insureds’ intentional destruction of their inventoiy by fire.

We hold that the collateral damage was not “accidental” as defined in the insurance policies at issue. Consequently, no “occurrence” triggered Frankenmuth’s liability under the policies. Therefore, we reverse the decision of the Court of Appeals and reinstate the trial court’s grant of summary disposition in favor of Frankenmuth.

i

This case…