Shrader v. Employers Mut. Cas. Co.

The United States Court of Appeals for the Eleventh Circuit has certified to this Court, pursuant to Ala. R.App. P. 18, the following question:

"Does an insurance policy provision limiting an `insured' to an employee acting `within the scope of duties' while conducting the business of the employer conflict with a separate provision in the same insurance policy providing coverage for `violations of constitutional/civil rights' so as to create an ambiguity that must be construed against the insurer?"

Employers Mut. Cas. Co. v. Mallard, 309 F.3d 1305, 1311 (11th Cir. 2002). We answer this question…