American National Fire Insurance v. Rose Acre Farms, Inc.

MANION, Circuit Judge.

American National Fire Insurance Co. (“ANFIC”) sued Rose Acre Farms (“Rose Acre”) seeking a declaratory judgment that the umbrella liability insurance policy it had issued excluded coverage for an aircraft owned and operated by Rose Acre. That aircraft had crashed, killing a passenger. The district court below entered summary judgment for Rose Acre. The court found the aircraft exclusion patently ambiguous and thus inoperative, applying Indiana law which favors saving insurance coverage in the face of an ambiguous exclusion. The court also found that a misrepresentation…