In determining whether an insurance policy applies, this Court must first determine whether the policy is clear and unambiguous on its face. In doing so, the insurance contract should be read and interpreted as a whole. An insurance contract is clear if it fairly admits of but one interpretation. An insurance contract is ambiguous if, after reading the entire contract, its language reasonably can be understood in differing ways. Id. Ambiguities in an insurance policy drafted by the insurer are to be construed against the insurer and in favor of the insured and a finding of coverage.
Exclusions are to be read with the insuring agreement and independent of other exclusions.
Taylor , supra at 649. Exclusionary clauses are to be strictly construed against the insurer. The insurance policy in dispute had several exclusions, including a clause that plaintiff contends excludes coverage for all damages arising out of criminal acts of the insured. The circuit court granted summary disposition to plaintiff on this ground. In that case, a panel of this Court found that for purposes of an exclusionary clause, it is a criminal act to serve alcohol to a minor.