Preferred Mutual Insurance Co. v. Vermont Mutual Insurance Co.

This insurance dispute arises from an accident in which Richard Dubois was injured while working at a residence in Medford. The residence was owned by Francis and Eileen Munyon, who lived there with their adult son, Joseph. 2 In October, 2009, the Munyons undertook to renovate their second-floor bathroom and hired Dubois’s employer as the plumbing contractor. On Dubois’s first day on the job, he removed old copper piping and other debris from the bathroom and attempted to throw it into the backyard from a second-floor deck. Unbeknownst to Dubois, on the previous day, Joseph had unfastened the…