Geidel v. De Smet Farm Mutual Insurance Co.Annotate this Case
The Supreme Court affirmed the decision of the circuit court granting summary judgment in favor of Defendant insurer in this breach of contract action, holding that Defendant did not have a duty to defend Plaintiff in a case brought against him by his neighbors.
Plaintiff was insured under a farm liability policy issued by Defendant. Plaintiff sold a portion of his property, and the purchaser operated a hog confinement facility on that property. Plaintiff's neighbors sued Plaintiff and the owner of the hog facility, alleging nuisance, trespass, and negligence. Defendant refused to defend Plaintiff against the lawsuit. After successfully defending the suit Plaintiff filed this action against Defendant, alleging that Defendant had a duty to defend. The circuit court granted summary judgment for Defendant. The Supreme Court affirmed, holding that Defendant did not have a duty to defend where Defendant established that none of the claims against Plaintiff, if true, arguably fell within Defendant's policy coverage.