Farm Bureau Mutual Insurance Co. v. Earthsoils, Inc.

OPINION

BJORKMAN, Judge.

Appellant Farm Bureau Mutual Insurance Company challenges the district court’s summary judgment in favor of its insured, respondent Earthsoils, Inc. Farm Bureau argues that the district court erred by concluding that the insurance policy requires Farm Bureau to defend and indemnify Earthsoils for claims asserted by respondents Laverne Ptacek and Jeffrey Ptacek (father and son, collectively the Ptaceks). We reverse.

FACTS

The Ptaceks jointly operate a farm in Steele County. Earthsoils provides agronomy consulting services to farm operators and sells fertilizer based on its…