Almond v. Cigna Property & Casualty Insurance

David Newbern, Justice.

50-Off Stores, Inc. (50-Off), operates a retail store in which Cynthia Almond slipped, fell, and was injured. 50-Off is the named insured in a policy issued by Cigna Property and Casualty Insurance Company (Cigna). Coverage “A” of the policy insures 50-Off against liability claims resulting from its negligence. Coverage “C” reads, in part, as follows:

a. We will pay the medical expenses as described below for “bodily injury” caused by an accident:(1) On premises you own or rent;

b. We will make these payments regardless of fault. These payments will not exceed the…