Southern American Fire Insurance Co. v. I. B. H. Liquor Corp.

Appellee, I. B. H. Liquor Corp., had two policies of content insurance for its premises. One policy was an open stock burglary policy covering merchandise, furniture, fixtures, etc., feloniously taken or damages because of burglary. This policy was issued by the appellee, Tiarks, a/k/a Lloyds, and had a maximum liability of $7500.00. The other policy, issued by Southern American Fire Insurance Company, covered damages for merchandise, furniture, fixtures, etc., which were lost as the result of a riot or civil disobedience.

I. B. H. Liquor Corp. suffered a loss during the riots and civil…