Haley Belt v. Cincinnati Insurance Company

The issue in this case is whether a catering company's commercial general liability insurer legitimately contested its obligation to cover damages after a UTV accident that occurred when: (1) the catering company's members were hosting a party at their home; (2) the members gave their teenage son permission to give rides around the yard in the company UTV to one passenger at a time; (3) the teenage son drove the UTV to a neighboring subdivision with three teenage passengers; and (4) while in the subdivision, the son hit a curb, overturned the UTV, and severely injured one of his passengers. Oral arguments heard on Dec. 9, 2021.