Lloyd's of London v. Walker

I dissent. Blindly applying the undeniable rule that insurance policies must be construed in favor of the insured, the majority has found coverage where none was ever intended. In doing so, it has ignored other valid principles of construction and common sense as well.

Construction in favor of the insured is a principle too well established to be questioned. However, it is not the be-all and end-all of insurance law. The Supreme Court has written:

We recognize the general rule that contracts of insurance are to be strictly construed in favor of the insured, but this does not affect the further…