United States Fidelity & Guaranty Co. v. Lightning Rod Mutual Insurance

The issue in this case is whether Lightning Rod’s policy excluding coverage for operation of a vehicle carrying property “for a fee” covers an insured who is paid an hourly wage and is reimbursed for mileage for making deliveries but is not paid per delivery.

“[WJords and phrases used in an insurance policy must be given their natural and commonly accepted meaning.” Gomolka v. State Auto. Mut. Ins. Co. (1982), 70 Ohio St.2d 166,167-168, 24 O.O.3d 274, 275, 436 N.E.2d 1347,1348. A “fee” is defined as “[a] recompense for an official or professional service or a charge or emolument or…