Missouri Court of Appeals, Southern District / Aug 20, 2024
SAMMY WOODS, Plaintiff-Respondent v. TRADERS INSURANCE COMPANY, Defendant-Appellant
Sammy Woods sued Trader's Insurance Company for breach of contract and vexatious refusal to pay after his claim for vehicle damage from an accident was denied. The insurer argued coverage was excluded under the policy's business and delivery exclusions. The circuit court granted summary judgment for Woods on the breach of contract claim. The appellate court reversed, finding that Woods's use of the vehicle to transport chickens for trade constituted a "delivery related business" under the policy's exclusion, thus precluding coverage.