Walter Neely and Loretta Neely v. American Family Mutual Insurance Company

Appellants Walter and Loretta Neely obtained a default judgment against the Christian Life Fellowship Church (the “Church”) for injuries Walter sustained while attempting to light the Church’s boiler. Appellee American Family Mutual Insurance Company (“American Family”) provided liability insurance to the Church, but refused to defend the Church against the Neelys’ suit because Walter was an “insured” under the policy and therefore excluded from coverage. The Neelys then filed suit against American Family seeking to enforce the Church’s liability insurance policy. A jury determined that…