Zurich American Insurance v. Bruce

Sognier, Judge.

Zurich American Insurance Company of Illinois brought a declaratory judgment action against its insured, the North American Riding for Handicapped Association, Inc. (“NARHA”), as well as Shalmar Foundation, Inc., and Catherine Bruce, seeking a determination whether it was obligated to provide coverage to NARHA and its local chapter, Shalmar, in a suit Bruce brought against them seeking damages for injuries she incurred when she fell off a horse at the stable operated by Shalmar. Zurich American appeals from the trial court’s denial of its motions for judgment notwithstanding…