Continental Ins. Co. v. Estate of Benton
Continental Insurance Company filed a declaratory judgment action to determine insurance coverage for the death of Nicholas Benton, owner of The Rigging Gang. Benton died in a rigging accident. The Rigging Gang held Workers Compensation (WC) and Commercial General Liability (CGL) policies with Continental. The court found that Benton was not an employee under the WC policy as he was self-employed and had not elected coverage. Additionally, the CGL policy did not cover the accident because it was outside the defined scope of 'boat building' (not 'servicing') and Benton would be considered an employee under the CGL's exclusion for employee injuries. Consequently, the court granted summary judgment to Continental Insurance Company, denying the defendants' motion.