Dakota Fire Insurance Co. v. J & J McNeil, LLC

SEVERSON, Justice.

[¶ 1.] John McNeil (McNeil), a member of J & J McNeil, LLC (the LLC), damaged his personal property while conducting work for the LLC. McNeil sought insurance coverage from the LLC’s commercial general liability insurer, Dakota Fire Insurance Company (Dakota Fire). Dakota Fire initiated a declaratory judgment action seeking determination of whether the insurance policy creates a duty to pay McNeil’s claim. The circuit court held the policy provided coverage. We affirm.

Background

[¶2.] At all times relevant to this action, McNeil owned and operated the LLC, an excavation and…