Alliance Mutual Insurance v. Dove

STEELMAN, Judge.

The exclusion clause in the commercial liability insurance policy must be narrowly construed to limit its application to the “specific part of any property that must be restored, repaired, or replaced because of faults in your work.” We affirm the summary judgment ruling of the trial court.

I. Factual and Procedural Background

Murphy-Brown owns and operates a feed mill in Laurinburg. Murphy-Brown contracted with Glen Dove d/b/a Dove’s Welding & Fabrication (“defendant”) to repair a broken elevator belt in a grain elevator. Grain was delivered by rail to the feed mill where it…