A. Miller & Co. v. Cincinnati Insurance

This is a dispute over the interpretation of an interruption of business clause in an insurance policy. We affirm the trial court, which held for the insurer.

Plaintiff, A. Miller & Company, is engaged in the business of purchasing scrap metal, shredding it, and selling the shredded metal. Plaintiff was insured by defendant Cincinnati Insurance Company, under a policy which included an endorsement providing protection against the interruption of plaintiff’s business. The endorsement stated in part that the defendant agreed:

“1. To pay the insured the amount of Daily Indemnity, [$10,000]…