Wilson Mutual Insurance Company v. Robert Falk

¶ 1. We review a published decision of the court of appeals1 reversing the Washington County circuit court's order granting declaratory judgment in favor of Wilson Mutual Insurance Company ("Wilson Mutual").2 The circuit court concluded that Wilson Mutual had no duty to defend or indemnify Robert and Jane Falk ("the Falks") against allegations that in 2011 they negligently spread manure3 on their property and thereby polluted their neighbors' wells because the Wilson Mutual policy *76contained an exclusion for pollution.4 The court of appeals reversed, concluding that a reasonable farmer would…