Georgia Farm Bureau Mutual Insurance v. Osting

Phipps, Judge.

Osting and Morrison entered into a bailor-bailee agreement for storage of Morrison’s goods at Osting’s residence. While there, the goods were destroyed by fire. Osting’s homeowner’s insurance carrier, Georgia Farm Bureau Mutual Insurance Company, sued for a declaratory judgment that its policy does not cover claims against Osting for loss of the property. The trial court held otherwise.

The insurer appealed in Ga. Farm &c. Ins. Co. v. Osting.1 Because the coverage issue turns on the question of whether Osting and Morrison intended their contract to directly relate to the insured…