Nationwide Mutual Fire Insurance v. Collins

Webb, Judge.

Fifteen-month-old Sherri Mullinax, by her next friend and mother, Nancy Mullinax, brought suit against Bill and Jo Ann Collins seeking to recover for personal injuries allegedly sustained by Sherri at the Collins home. The Collins were insured under a homeowner’s policy issued by Nationwide Mutual Fire Insurance Company. The insurance company filed the present declaratory judgment action, seeking a judgment that it owed no defense to the Collins because the policy provides that it would not apply to any activities in connection with a business solely owned by an insured nor would…