Country Mutual Insurance v. Carr

On an unspecified date, defendant Steve Carr, d/b/a Carr Construction, filed an insurance claim with plaintiff Country Mutual Insurance Company (Country Mutual) with whom he had a commercial general liability (CGL) policy. Country Mutual denied coverage of the claim and, in May 2004, filed a declaratory-judgment action (case No. 04— L—15) seeking a ruling it had no duty under the insurance policy to defend or indemnify defendant.

In March 2006, Country Mutual asked for leave to file a third amended complaint for declaratory judgment against defendant, which the trial court allowed. In that…