Opperman v. Heritage Mutual Insurance Co.

[¶ 15] I respectfully dissent from the majority and would hold that the front-end loader was being warehoused as defined by Heritage’s policy.

[¶ 16] The majority fails to explain away the exceptions listed under Paragraph o. of the policy. The two relevant exceptions are:(1) Vehicles or self-propelled machines or autos you manufacture, process or warehouse; or(2) Vehicles or self-propelled machines, other than autos, you hold for sale;

(emphasis added).

[¶ 17] From its own policy, it is clear that Heritage does not term warehousing as storing vehicles or self-propelled machines for sale/resale.…