Auto-Owners Insurance Company v. William Long, as Administrator of the Estate of Theodore Long, and Ellen Long, Individually, Dean Loucks and The Art of Design

Bradford, Judge.

Case Summary

[1] While working at a United States Postal Service processing facility, Theodore Long was exposed to a hazardous substance shipped by The Art of Design ("the Insured") in violation of certain postal regulations. This appeal arises out of a declaratory judgment action filed by Long's Estate ("the Estate") to determine the applicable limits of the Insured's commercial general liability insurance policy ("the Policy") issued by Auto-Owners Insurance Company ("Auto-Owners"). The parties filed competing motions for summary judgment, with Auto-Owners arguing that the…