Industrial Indemnity Co. v. Vukmarkovic

Plaintiff, Industrial Indemnity Company, filed this declaratory judgment action to determine the existence of coverage under a comprehensive business insurance policy that Industrial had issued to the owner of a limousine that collided with a pedestrian. The pertinent provisions of the policy are found within the “personal umbrella liability extension,” which in essence provides coverage for the personal activities of the individual insureds. This personal umbrella extension does not cover “any ‘business’ activities of any individual Named Insured” and specifically excludes from coverage “any…