South Carolina Farm Bureau Mutual Insurance v. S.E.C.U.R.E. Underwriters Risk Retention Group

This is a declaratory judgment action concerning the priority of coverage for concurrent insurance policies issued by two insurance companies. The Court of Appeals held Petitioner South Carolina Farm Bureau Mutual Insurance Company’s (Farm Bureau’s) policy was primary and Respondent S.E.C.U.R.E. Underwriters Risk Retention Group’s (SECURE’s) insurance was excess. South Carolina Farm Bureau Mutual Ins. Co. v. S.E.C.U.R.E. Underwriters Risk Retention Group, 347 S.C. 333, 554 S.E.2d 870 (Ct.App.2001). We reverse.

FACTS

Farm Bureau issued a homeowners liability policy to Ralph and Mary Garrison.…