Eric D. Burns, Respondent v. Lynn M. Smith, Defendant, and Farmers Alliance Mutual Insurance Company of Kansas…

Summary

The Court held that the Farmers policy's business-pursuits exclusion did not bar coverage because its definition of business required both a business activity and use of the insured's premises, while the injury occurred on the employer's property. Farmers was liable for prejudgment interest on its $1 million policy limit and post-judgment interest on the entire judgment until the applicable portion was paid, tendered, or deposited. The judgment was reversed only to correct the post-judgment-interest calculation after Oak River paid $675,000.