Mero v. Foster
The Supreme Court ruled that Farm Family Insurance Companies must defend and indemnify the Fosters under their primary liability policy. This decision was based on the interpretation of the optional farm employee coverage, which was deemed to cover the injuries of infant John Mero, Jr., resolving policy ambiguities in favor of the policyholder. Conversely, the court found Farm Family not obligated to indemnify the Fosters under their umbrella policy, as it specifically excluded workers' compensation-related injuries without optional coverage. This judgment, encompassing both the primary and umbrella policies, was unanimously affirmed on appeal.