American States Insurance v. Travelers Property Casualty Co.

Opinion

MOSK, J.

INTRODUCTION

One of the operators of a leased food truck was burned inside the truck by oil from a deep fryer that splashed on her. The insurers for the lessor dispute with one another over coverage. The automobile insurer claims that the injury should be covered under the commercial general liability policy that, although excluding coverage for injuries arising out of the use of automobiles, 1 covers “mobile equipment,” defined as vehicles used for a primary purpose other than transporting persons or cargo. The commercial general liability insurer asserts that the primary…