Blasing v. Zurich American Insurance

¶ 1. Vicki Biasing was injured by an employee of Menard, Inc. while the employee was loading Biasing's truck with lumber. Biasing has automobile insurance through American Family Mutual Insurance Company. The question here is whether American Family must defend Menards and provide coverage if it is determined that the Menards employee negligently injured Biasing.

¶ 2. Menards argues that its employee is covered as a permissive vehicle user under Biasing's American Family automobile policy. The general rule is that permissive vehicle users are additional insureds under automobile policies and…