Mid-Continent Casualty Co. v. Global Enercom Management, Inc.

In this case, we must determine whether two exclusions in insurance policies — “auto use” and “subsequent-to-execution” — preclude coverage for a subcontractor’s workers who fell and died after being hoisted up on a rope through a pulley system by a pickup truck. The subcontracts for which the insurance policies allegedly provided coverage were signed after the work had begun. The trial court and court of appeals held that neither exclusion applied and granted summary judgment to the policyholder, declaring coverage under both policies. 293 S.W.3d 322, 325, 328 (Tex.App.-Houston [14th Dist.]…