American States Ins. Co. v. Martin

United States District Judge Truman Hobbs has certified to this Court these questions, pursuant to Rule 18, Ala.R.App.P:

"[1] Under the applicable policies of American States [Insurance Company], does it have a duty to defend the action brought by the Bergers in the Circuit Court of Montgomery County, Alabama, and,

[2] if so, does it have a duty to indemnify if the wrongful conduct of Martin was innocent, reckless, negligent, or wanton rather than intentional?"

These questions call for us to consider whether American States Insurance Company, under the terms of its "business owner's policy"…