Zurich General Accident & Liability Insurance v. Stadelman

The petitioner in this matter is the insurance carrier under a policy of workmen’s compensation insurance issued to Peter C. Stadelman, one of the respondents. The policy contained the following provision:

“(d) It is agreed upon the delivery and acceptance of this Policy, that if the Employer is an individual and has a family (meaning husband, wife, son, daughter, brother, sister or parent residing within this Employer’s household), this Policy shall not apply to any member or members of such family except those named in the Declarations with disclosures of the annual amounts of wages,…