Q&A of the Week |
Feral Cats as Domestic Animals
An Ohio subscriber recently asked the following question:
The insured's landlord's package policy excludes damage from "insects, rodents, birds, or domestic animals." During the course of a tenant move-out/move-in, three feral cats entered the home. They could not be trapped initially and did significant damage prior to being removed. The company has stipulated the cats were not the pets of either tenant and were in fact feral. The company has denied the claim, asserting that whether an animal is "domestic" depends upon the species. The insured asserts it depends on the behavior of the animal, and feral, wild cats cannot be considered domestic. Based on staff experience unrelated to insurance, we know feral cats enjoy the same protections under our animal cruelty statutes as pet cats, and for criminal law they are considered "domestic" regardless of their disposition. Insurance law frequently diverging, we would like your thoughts on the company's denial.
ANSWER: Absent a definition in the policy, we look to the common dictionary meaning of "domestic animal": "any of various animals (as the horse or sheep) domesticated so as to live and breed in a tame condition" (Merriam-Webster Online), and "an animal, as the horse or cat, that has been tamed and kept by humans as a work animal, food source, or pet, especially a member of those species that have, through selective breeding, become notably different from their wild ancestors" (dictionary.com). These definitions leave feral cats out as they are not pets or tame, even if they are protected by animal cruelty statutes. So, the exclusion would not apply. Read More |
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What's New This Week in FC&S |
Food Trucks
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Litigation Watch |
Malicious Prosecution and Occurrence
Before the court in this instance was a motion for partial summary judgment filed by Selective Insurance Company and a motion for summary judgment filed by RLI Insurance Company. This case is Selective Insurance Company of the Southeast v. RLI Insurance Company, 2015 WL 4250364.
The coverage dispute arose from the wrongful conviction of Clarence Elkins. He was later exonerated and then sued the city of Barberton and its police officers for malicious prosecution, false imprisonment, intentional infliction of emotional distress, and loss of consortium. During the time period relevant to this matter, Barberton had excess insurance policies through Selective and RLI. The RLI policy had a policy period from June 29, 1997 to June 29, 1998. The Selective policy had a policy period from June 29, 1998 to June 29, 1999.
The claim was settled, with Selective contributing to the settlement but RLI denying any coverage. RLI argued that the malicious prosecution claim by Elkins did not occur during RLI's policy period. Selective, having been assigned Barberton's rights under the policy, brought this lawsuit seeking contribution from RLI. Read More
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