Court Opinion

ID: 9504941
Source: CourtListenerOpinion
Date Created: 2023-08-06 19:59:36.503091+00
Date Added: 2024-06-11T09:04:11.834867
License: Public Domain

SHEPARD, Chief Justice,
dissenting.
My colleague's majority opinion is a genuine tour de force on the development of widely-used forms of commercial general liability policies and the interpretations given them by state and federal courts. Still, I conclude that it leads Indiana to the wrong result.
To make a long story short, I think these policies are neither designed nor priced as coverage for whatever demands the insured may face in the nature of ordinary consumer claims about breach of warranty. Inquiry during oral argument suggested that there may not even exist in the marketplace an insurance product that "covers me when I don't do a very good job," if you will.
As the majority recognizes, there is in the country a divide in the case law on the point we decide today. I would put us on the other side of this divide.