Opinion ID: 1189949
Heading Depth: 1
Heading Rank: 1

Heading: action against travelers

Text: Plaintiff contends that Travelers' policy covered property damage on all his operations and he was insured against damages resulting from operations on his premises as well as damages resulting from delivering and unloading his products off his premises. Travelers contends its policy specifically excluded accidents involving vehicles, including loading and unloading, occurring away from plaintiff's premises, and the amended petition alleges the accident or occurrence took place away from said premises. Travelers' policy contained the following provisions: Coverage B  Property Damage Liability. To pay on behalf of the insured all sums which the insured shall become legally obligated to pay as damages because of injury to or destruction of property, including the loss of use thereof, caused by accident and arising out of the hazards hereinafter defined. And under the Definition of Hazards we find: Division 1. Premises  Operations. The ownership maintenance or use of premises, and all operations. The exclusions are set out on page 3 of said policy, and are in pertinent part as follows: This policy does not apply: (a) Under division 1 of the Definition of Hazards, and under Coverage C, to the ownership, maintenance, operation, use, loading or unloading of    automobiles if the accident occurs away from such premises or the ways immediately adjoining,   . The premises covered by Travelers' policy is specifically designated as 2627 W. Reno, Oklahoma City, Oklahoma. Plaintiff alleged that the negligent act of placing regular gasoline in the motor grader instead of filling the motor grader with diesel fuel, occurred at Northwest Thirty-Fifth and Ann Arbor Streets. In the case of Citizens Casualty Co. of N.Y. v. L.C. Jones Trucking Co., 238 F.2d 369, Tenth Circuit (Okla.), the court had the occasion to consider two insurance policies. The National policy covered: The ownership, maintenance or use of the premises, and all operations during the policy period which are necessary or incidental thereto. It also contained an exclusion provision which stated the policy does not apply to:    (3) automobiles or the loading or unloading thereof except upon premises owned, rented or controlled by the named insured and ways immediately adjoining within the territory   . The Circuit court affirmed the trial court and held that: The accident occurred during operation of the truck, on premises not owned, rented or controlled by Jones and was not within the coverage of the National policy. Plaintiff alleged that the negligent acts which caused the resulting damages occurred away from the premises specifically designated in Travelers' policy. Since such policy did not apply to the loading or unloading of the tank car, except upon said designated premises, the plaintiff failed to bring himself within the terms and coverage of Travelers' policy. We therefore affirm the trial court in sustaining Travelers' demurrer to plaintiff's amended petition.