Potentially impacting both your business and your personal insurance policies under liability and property coverages, there were 2 recent cases from different branches of the Wisconsin Court of Appeals that came to different conclusions on essentially the same set of facts.
Business impact:
A farmer fertilized his field and that fertilizer contaminated a neighbor’s property. One court agreed with the insurer and denied coverage, the other sided with the farmer.
Personal impact:
There is also a recent homeowners case where bat guano got so bad in a seasonal home that the house had to be torn down. In that case, the Wisconsin Supreme Court said that bat guano was a “pollutant”, sided with the insurer and denied coverage for the house.
Related: Skunks Cause Waukesha Family One Stinky Mess!
Questions about your policy exclusions? Contact a knowledgebroker.
