W. World Ins. Co. v. Armbruster, a case from the United States Court of Appeals for the Sixth Circuit, involved claimant who worked at a farmer’s market. This farmers market offered hayrides, pony rides, and pumpkin picking. Claimant was hired to run the hayride for eight weeks.
There was a workplace accident involving the hay wagon, and claimant was seriously injured and is now a paraplegic. His spine was crushed by the wagon. Claimant filed a civil lawsuit in state court against farmer and his daughter. Claimant also filed a lawsuit the same day with farmer and his daughter against farmer’s insurance company in which they sought a declaratory judgment claimant was covered by farmer’s General Commercial Liability insurance plan. Insurance company also sought a declaratory judgment finding claimant was not covered by the insurance policy.
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