Kath v. Farmers Union Mutual Ins. Co.

Summary

The North Dakota Supreme Court reversed the district court’s summary‑judgment ruling, holding that the farm liability policy, even with its farm‑employers’ liability endorsement, does not cover Kath’s injuries because the motor‑vehicle exclusion in the policy body applies. The Court reasoned that the endorsement adds coverage and additional exclusions but does not supersede the explicit motor‑vehicle exclusion.