Lumbermens Mutual Casualty Co. v. Pattee

With the exception of an “Interpretive Endorsement” relating to the “Products-Completed Operations Hazard,” the policy in question is essentially the same as the policy construed in Peerless Insurance Co. v. Clough, 105 N. H. 76. In that case, the court, with two Justices dissenting, construing the policy as a whole in the light of all the circumstances and interpreted as a reasonable man in the position of the insured would understand it (which is the test we also apply), held that the “needlessly misleading and obscure” (Ib., 79) provisions of the policy were not effective to exclude…