Court Opinion

ID: 9447892
Source: CourtListenerOpinion
Date Created: 2023-08-03 22:46:51.009844+00
Date Added: 2024-06-11T17:31:13.518257
License: Public Domain

LEWIS, Circuit Judge
(dissenting).
I cannot agree that this insurance policy was in effect while the circus was admittedly in winter quarters. Although, as my Brother BREITENSTEIN points out, the rating schedules may be clouded by insertion and deletion and much might be said about the difference between a carnival and a circus still the single issue here is whether the exclusionary clause under attack,1 which is only one of many contained in the printed portion of the policy, is rendered meaningless by typewritten Endorsement No. 1.2 The endorsement provides in full:
“It is agreed that this policy covers the liability imposed by law upon the Assured for damages on account of accidental bodily injury, including death at any time, caused by or through the operations of a circus, including collapse of grandstand, and all injuries that might be caused by any of the paraphernalia used in connection with the Circus.
“It is further agreed that the said policy does not cover injuries to or death of any person employed by the Assured or participating in any contest or exhibition of any nature whatsoever.
“It is agreed that the premium shall be adjustable at a rate of $2.50 per $100.00 of gross receipts from admissions, including reserved seats, admissions to Side Shows, etc.
*698“Nothing herein contained shall be held to vary, waive or extend any of the terms, conditions, provisions, agreements or limitations of the abovementioned Policy, other than as stated above.”
The first paragraph of the endorsement supersedes the insuring agreement as contained in the printed portion of the policy. The second paragraph of the endorsement adds an exclusionary feature not contained in the printed portion. The third paragraph affects rates and replaces a deletion in the printed contract. And the final paragraph specifically negatives the intent to vary any other portion of the printed contract. The insured urges that the words “at any time” as contained in paragraph one of the endorsement are not limited in construction to a modification of “death” but create an ambiguity as to time and place of coverage. My Brothers do not give specific approval to such argument but do find ambiguity. I find none.

. “The Company shall not be liable in respect of accidents occurring whilst the Assured’s equipment is in Winter Quarters.”

. There is no other endorsement to the policy designated specifically as such. The contract consists of a printed cover sheet with a standard printed Carnival Amusement liability policy attached and Endorsement No. 1 added.