Certificate of Insurance Provides no Coverage Actual Policy Wording Controls

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Plaintiffs appealed from the granting of United States Fire Insurance Company’s (USFIC’s) motion for summary judgment refusing to defend or indemnify the insureds to a claim of bodily injury due to the actions of a runaway bull. In its order, the circuit court found the underlying event was not covered In Lonestar Rodeo, LLC; Preston C. Fowlkes; Clint Madison; Rachel Boyd; Brian Steven Montgomery; And Stockdale’s LLC v. United States Fire Insurance Company Appellee, NO. 2020-CA-0825-MR, Commonwealth of Kentucky Court of Appeals (May 21, 2021) the Kentucky appellate court affirmed the trial court.

ZALMA OPINION

RFIP – Read the Full Policy. Don’t rely on a certificate which, at best, is a statement of coverages available on the day it was issued. It cannot change the policy and it is essential that the insured and one who expects to be made an additional insured read the actual policy and never rely on a Certificate.