Bankers & Shippers Insurance v. Urie

Stripped bare of rhetoric, legal niceties, and the like, this appeal boils down to what is meant by the conjunction “and” 1 as used in a policy of aircraft liability insurance.

The particular clause of the policy upon which our attention is focused reads:

“PILOTS: The coverage afforded by this policy shall not apply while the [insured] aircraft is operated in flight by other than the following pilots:

PAUL ERICKSON AND WILFORD GOLDMAN” (Emphasis supplied.)

The appellant-insurer, Bankers and Shippers Insurance Company of New York (Bankers), quotes from three out-of-state opinions 2 which rely upon…