Union Insurance Co. v. Kjeldgaard

NEY, Judge.

Defendants, Dean and Kristi Kjeldgaard and Harold and Kathryn Ross, appeal the trial court’s declaratory judgment on the pleadings that a comprehensive liability insurance policy issued by plaintiff, Union Insurance Company (Union), does not provide coverage to Charles Jacobson (insured) for damages awarded to defendants in a previous action. We affirm in part, reverse in part, and remand with directions.

Defendants entered into a contract under which the insured agreed to construct a barn and an indoor riding arena. During construction, the structures were severely damaged by a…