Charter Oak Fire Insurance v. Coleman

MEMORANDUM OPINION

HEYBURN, Chief Judge.

This declaratory judgment action concerns the coverage provided by a commercial general liability policy which Essex Insurance Company (“Essex”) issued to Russ Coleman d/b/a Johnny Bad Ass Motorcycles. For the reasons explained in this memorandum, the Court concludes that under the CGL policy, Essex is hable for all damages assessed against Russ Coleman except damage to that portion of the building occupied by Johnny Bad Ass Motorcycles (“Johnny BAM”).

I

For the most part, the facts are not in dispute. On March 13, 2000, Essex issued a CGL policy to Russ…