Smith v. Auto Owners Insurance Co.

COBB, Chief Judge.

The trial court herein granted a summary judgment in favor of a surety, Auto Owners Insurance Co., which had issued a license and permit bond to protect retail customers dealing with a mobile home dealer, Florida Investors Unlimited, Inc. (FIU), and against the purchasers of a mobile home, the Smiths. The basis for the judgment excluding coverage was that the surety’s principal (FIU) was permitted under its license certificate to conduct business at a specific location in Jacksonville, Florida, whereas the sales transaction involving the Smiths occurred in Orange County,…