Grinnell Mutual Reinsurance v. Kelly Stuart Schmidt

BYE, Circuit Judge.

Grinnell Mutual Reinsurance Company (Grinnell) appeals the district court’s 1 grant of summary judgment in favor of Jerome and Kelly Schmidt in this insurance coverage dispute. The district court determined a farm policy issued to the Schmidts provided coverage for an accident involving an all-terrain vehicle (ATV) which occurred on the Schmidts’ farm. We affirm.

I

Jerome and Kelly Schmidt, father and son, operate a farm together in Worthington, Minnesota. Kelly has a daughter named Madison. In May 2012, Madison hosted a sleepover party at her father’s and grandfather’s farm…