Larry Williams v. United States Fidelity and Guaranty Company

ALVIN B. RUBIN, Circuit Judge:

The question in this case is whether a multiperil insurance policy issued in Mississippi covers injuries received as a result of the alleged failure of the insured, the operator of a tavern, to prevent an employee from surreptitiously consuming beer or from driving his personal automobile home after having done so. The district court correctly held that the policy excludes coverage of one of the claims and that Mississippi recognizes no cause of action for the other claims.

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Larry Williams, James Holley, and David Spann all worked on a clean-up crew for the Lamar,…