Tower Insurance Company of New York v. Brent Horn Mickayla Sesco, as Administratrix of the Estate of Bradley E…

Summary

The Kentucky Supreme Court affirmed the Court of Appeals’ reversal of summary judgment, holding that the employee exclusion in Tower’s liability policy does not bar coverage for Brent Horn, a permissive user of the insured’s truck. The Court applied the policy’s severability clause, interpreting it to treat each insured separately, and concluded the exclusion applies only to the employee’s own employer. The decision remands for further proceedings.