Opperman v. Heritage Mutual Insurance Co.

KONENKAMP, Justice.

[¶ 1] Harlan Opperman lost a front-end loader when one of his buildings burned. The loader was ordinarily used at gravel pits several miles away, but was on the premises *489for an overhaul. His insurance policy covered “vehicles or self-propelled machines ... you manufacture, process or warehouse,” but excluded vehicles “operated principally away from the described premises.” Was the loader being “processed” or “warehoused” at the time of the fire, removing it from exclusion and allowing coverage? The trial court ruled it was, but we reverse, holding the plain language of the…