Pharmacists Mutual Insurance Company v. Advanced Specialty Pharmacy LLC

Summary

The Alabama Supreme Court held that the general aggregate limit, not the products/completed‑work‑hazard aggregate limit, governs Pharmacists Mutual’s liability for the claimants’ bodily injuries, affirming the summary‑judgment limitation to $4 million and reversing the lower court’s expansion to $7 million. The decision rests on a plain‑language reading of the business‑owners policy’s definitions of “products/completed work hazard.”