Katina Piatt v. Indiana Lumbermen's Mutual Insurance Company

Prior to this insurance dispute, Linda Nunley was killed while working for a charcoal manufacturer. The plaintiffs obtained a judgment for wrongful death against Junior Flowers, the company’s sole owner, director, and executive officer. Flowers assigned his insurance claims to the plaintiffs, and they sued the insurer for breach of duties to defend and indemnify under commercial general liability (CGL) and umbrella policies. The circuit court applied the policies’ employee exclusions, which prevented coverage for work-related injuries to employees of the insured, and granted summary judgment…