Southern Ins. Co. of Virginia v. Williams

In this appeal, we consider whether the trial court in a declaratory judgment action correctly determined that an insurance company had a duty to defend and provide liability coverage under a “BUSINESS-OWNERS” policy.

BACKGROUND

The parties do not dispute the material facts. On January 6, 1989, John A. Williams applied for a businessowners insurance policy with an insurance agency representing Southern Insurance Company of Virginia. In that application, Williams gave the name of the “APPLICANT” as “WILLIAMS HOUSE OF FINE FURNITURE” and gave a street address and post office box number as the…