Court Opinion

ID: 5081980
Source: CourtListenerOpinion
Date Created: 2021-10-01 12:46:13.251223+00
Date Added: 2024-06-11T08:20:15.364522
License: Public Domain

KENNEDY, Judge.
The issue in the present case is whether April Vassholz’s loss of the tips of two fingers of her right hand was excluded from her employer’s liability insurance policy coverage by language which excluded “bodily injury to any employee of the insured arising out of and in the course of his employment by the insured....” The trial court, in a declaratory judgment action brought by Truck Insurance Exchange, the insurance carrier, held that April Vassholz’s injury came within such language and it was excluded from coverage thereby, and entered judgment for the insurer. April Vassholz has appealed to this court.
The salient facts are as follows: April Vassholz was employed by owner Sin Suk Ulmer at Bannister Liquor and Deli. She had worked there about six months when the accident occurred. Her duties included selling liquor, making sandwiches, slicing the meat if the meat ran out, cleaning the store and the like. Sin Suk Ulmer’s family sometimes helped out at the store, including her son and her son’s wife.
*23Sin Suk Ulmer’s son had asked his wife to make up a cheese tray at the store. The son would take this cheese tray to a Christmas party at his office. The son did not plan to pay for the cheese tray and did not do so. Apparently, he was not expected to do so. Making up cheese trays for customers was not part of Bannister Liquor and Deli’s business, except cheese trays from which to make sandwiches within the deli.
April Vassholz undertook the task of making up the cheese tray. It is not agreed whether she volunteered to do so, or whether she was asked by son’s wife to do so. At any rate, she did it. The task involved slicing cheese on a slicing machine. When April Vassholz was finished with the task, and while she was cleaning the machine, she accidentally sliced off the tip ends of two fingers on her right hand. Son’s wife was managing the store on this evening, and was standing nearby when April Vassholz was cleaning the cheese slicer and when the accident occurred.
The trial court was correct in holding as a matter of law that April Vassh-olz’s injury was an injury “arising out of and in the course of her employment” by Sin Suk Ulmer.
The language of the exclusion clause is lifted from § 287.120.1, RSMo 1986, of the Workers Compensation Law, and is given the same interpretation. Automobile Club Inter-Insurance Exchange v. Bevel, 663 S.W.2d 242 (Mo. banc 1984).
Although not raised or argued by the parties, the question occurs whether the employee exclusion from liability coverage is applicable where there is actually no workers compensation coverage. April Vassholz was not within workers compensation protection, since Sin Suk Ulmer had fewer than four employees, see § 287.090.-1(2), RSMo Supp.1991. The meaning or the validity of the employee exclusion from public liability coverage, however, does not depend upon' the presence or absence of actual workers compensation coverage. The policy contains a separate exclusion of injuries covered by workers compensation. If the employee exclusion of the public liability policy were applicable only in cases of actual workers compensation coverage, the exclusion would be redundant, for the injury would be excluded under the workers compensation exclusion. The employee exclusion stands on its own. American Family Mutual Insurance Co. v. Flaharty, 710 S.W.2d 5, 6-7 (Mo.App.1986).1
Is there some public policy which would invalidate the exclusion? We think not. Although we are not dealing with an exclusion from automobile liability coverage, cases dealing with automobile liability policy exclusions shed some light on this question. Some automobile liability exclusions have been held invalid because in conflict with § 303.190.2(2) and § 303.025, RSMo, of The Motor Vehicle Safety Responsibility Law. See, Baker v. DePew, Slip Op., Mo. Court of Appeals, W. Dist., No. WD 45187, date June 19, 1992—pp. 4, 5, Footnote 1-4, 1992 WL 122133. The employee exclusion, however, which we have before us in this case, is specifically permitted by § 303.-190.5. See, American Family Mutual Insurance Co. v. Flaharty, 710 S.W.2d at 7. We are aware of no public policy which would invalidate the employee exclusion in the public liability policy we have before us.
It is clear that April Vassholz’s injury arose out of her employment, and occurred in the course of it. It is true that the preparation of the food tray was not part of the normal business of the store, but it took place on the employer’s premises, by the employer’s machinery, on the employer’s time. April Vassholz was being paid by the employer, and in fact was paid for the entire day. Employer Sin Suk Ulmer considered her business a family business; she had no objection to the preparation of *24the cheese tray. It was April Vassholz’s employment that placed her at the time and place and in the circumstances to be injured. Her task was done under the eye of her supervisor, the daughter-in-law of Sin Suk Ulmer, April Vassholz’s preparation of the cheese tray was not any purely personal deviation from her employment.
It does not rescue April Vassholz’s claim that the task in which she was engaged at the time of her injury did not advance the business interests of her employer. The case is ruled by Tyra v. Delta Veterinary Clinic, Inc., 687 S.W.2d 931 (Mo.App.1985); Nichols v. Davidson Hotel Company, 333 S.W.2d 536 (Mo.App.1960); and Staten v. Long Turner Construction Co., 185 S.W.2d 375, 379 (Mo.App.1945).
We have closely considered the cases cited by April Vassholz in support of her argument that her preparation of the cheese tray was purely a personal favor unconnected with her employment. The facts of each case are different from the present case in some significant point, and none of them rules our case.
The judgment of the trial court is affirmed.
SMART, J., concurs.
SHANGLER, P.J., files separate opinion concurring in result.

. An employer's liability insurance policy (or, more accurately, employers’ liability coverage), unlike Sin Suk Ulmer’s liability policy, is designed to protect the employer from common law liability for an employee’s injury or death while engaged in his employment, such as April Vassholz’s claim in the present case. An employer’s liability policy, instead of excluding employees’ employment injuries, as does Sin Suk Ulmer’s, requires proof the injury was employment-incurred to bring it within the policy coverage. See, 45 Am.Jur.2d, Insurance, Sec. 721.