Shelter Mutual Insurance v. Smith

Steele Hays, Justice.

This appeal is taken from a jury verdict finding that horse racing activities by Amelee and Ruth Smith, appellees, was not a “business pursuit” under a farm owners policy of insurance issued by the appellant, Shelter Mutual Insurance Company. The question for review is whether the verdict is supported by substantial evidence.

Amelee and Ruth Smith live on 160 acres of land in southern Missouri where they maintain several thoroughbred race horses. Mrs. Smith is employed; Mr. Smith is retired with disability income. At some time prior to 1983 an agent for Shelter reviewed…