Durant v. North Country Adirondack Cooperative Insurance
This appellate case concerns an insurer's duty to defend. Plaintiffs, farm owners including Robert Durant, sought reimbursement from North Country Adirondack Cooperative Insurance Company after the insurer denied coverage for a negligence action brought by Wayne Ashley, who was injured on their farm. The insurer cited a farm employee exclusion in their policy. Although the Supreme Court initially ruled in favor of the insurer, the appellate court determined that the insurer's duty to defend was established by the complaint. The court found the insurer failed to provide conclusive evidence that the farm employee exclusion applied, thus implying a reversal of the lower court's decision regarding the duty to defend.