Hardware Mutual Casualty Co. v. Collier

The major issue is: Does the insurance policy issued on January 5,1941, specifying the gas and oil business, cover the subsequently acquired cotton-gin employees? It is undisputed that at the time the policy was issued the employer did not have as many as ten employees in the gas and oil business, and that after the purchase of the cotton-gin eight months thereafter he did not have as many as ten employees at both the gas and oil business and the cotton-gin business. The employer, by doing so, voluntarily elected to be bound by the 'provisions of the workmen’s compensation act under the Code,…