Shelby Insurance v. Ford

I agree with the Court of Appeals’ conclusion that as the sole shareholder of the corporation, “[Cain] was the sole ‘owner’ of the corporation” within the meaning of the insurance policy, and that such a finding “is not synonymous with a finding that the corporate veil has been pierced.” Shelby Ins. Co. v. Ford, 212 Ga. App. 303, 304 (441 SE2d 764) (1994).

Under Georgia law, “contracts of insurance are to be construed strictly against the insurer and in favor of the insured when language contained therein is susceptible to two or more constructions. Where the insurer grants coverage to an…