Forest Tree Service, Inc. v. Illinois Farmers Insurance

This appeal arises from a claim for damages submitted by the plaintiff, Forest Tree Service, Inc., to its insurance carrier, Illinois Farmers Insurance Company, the defendant. The defendant denied coverage for the property loss, which occurred when the plaintiff, a tree trimmer, was pruning a tree and the boom on the crane bent and collapsed.

The basis for the defendant’s denial of coverage was that its policy only insured the vehicle for loss caused by collision, including the “upset” of the vehicle. The trial court agreed with the defendant’s interpretation that the term “upset” was…