Farm Bureau General Insurance Company of Michigan v. Latting

Summary

The Michigan Supreme Court reversed the Court of Appeals and remanded the case for further proceedings consistent with the trial court’s ruling. It held that the Secura insurance policy provided coverage because the parties were engaged in farming, and that the policy’s business-pursuits and motor-vehicle exclusions did not apply.

Holdings

1. The Secura policy afforded coverage because Latting and Clay were engaged in farming when the accident occurred.
2. Neither exclusion barred coverage. The business-pursuits exclusion did not apply because the relevant activity was farming, which the policy excluded from the definition of business, and the motor-vehicle exclusion expressly did not apply to farm tractors.

Questions Presented

1. Whether the Secura policy afforded coverage because the activity causing Latting's injury constituted farming under the policy.
2. Whether the policy's business-pursuits exclusion barred coverage.
3. Whether the policy's motor-vehicle exclusion barred coverage for the tractor-related accident.

Disposition

reversed_and_remanded