State Farm Fire & Casualty Co. v. Reed

OPINION

HIGHTOWER, Justice.

This cause presents the question whether there is coverage under a homeowners insurance policy that excludes coverage for “business pursuits” of an insured except those pursuits that are “ordinarily incidental to non-business pursuits.” Joseph and Francis Reed (the Reeds) and Michael and Sheree Ford (the Fords) filed a declaratory judgment action against State Farm Insurance Company (State Farm) seeking a declaration of coverage under a homeowner’s insurance policy (policy) it issued for liability arising out of the death of the Fords’ child while at a home child…