AMERICAN RESOURCES INS. v. H & H Stephens Construction, Inc.

American Resources Insurance Company appeals from an order of the Bibb Circuit Court holding that American Resources was obligated to provide insurance coverage under an umbrella insurance policy American Resources issued to H H Stephens Construction, Inc. We reverse the trial court's judgment and render a judgment in favor of American Resources.

Facts and Procedural History

On April 11, 2003, Kenneth Gilmore, an employee of H H Stephens acting within the scope of his employment duties, was operating a vehicle that collided with a vehicle driven by Garnet Michelle Garvin. Garvin was killed, and…