Artcraft of New Hampshire, Inc. v. Lumberman's Mutual Casualty Co.

This appeal arises out of a petition for declaratory judgment, RSA 491:22, brought by Artcraft of New Hampshire, Inc. (Artcraft) against its insurer, Lumberman’s Mutual Casualty Company (the Company), seeking liability coverage for a claim brought against Artcraft by Robert and Louise Burns. The sole issue that we must decide is whether or not the term bodily injury, defined in the insurance policy as “bodily injury, sickness or disease . . . ,” includes coverage for claims of physical discomfort and emotional pain and suffering.

The case was submitted on an agreed statement of facts to a…