Canal Insurance v. National House Movers, LLC

I agree with the majority’s decision to affirm. However, I would do so only on the narrow question of whether the policy exclusion for an “employee” excludes coverage for Jones. In my opinion, the exclusion is ambiguous as it applies to Jones, and therefore unenforceable in this case. This finding of ambiguity is sufficient for us to determine the circuit court correctly ruled the policy covers this accident.

*267Our courts construe insurance policies “according to the law of contracts.” Williams v. Gov’t Employees Ins. Co. (GEICO), 409 S.C. 586, 594, 762 S.E.2d 705, 709 (2014). Under the law of…