Shelby Insurance v. Ford

Pope, Chief Judge.

Plaintiff Karenna Marie Ford was injured while at K. C.’s 24-Hour Child Care Center. She filed suit, by her next friend and mother, Martie Louise Ford Foushi, against Kathy D. Cain, and K. C.’s 24-Hour Child Care Center seeking damages for her injuries. The Only insurance in effect at the time of the accident was a general commercial liability policy issued by appellant, Shelby Insurance Company (“Shelby”) to Kathy D. Cain as the named insured. Shelby denied coverage on the basis that it was not notified of the incident in a timely manner and because the corporate entity…