Question: Leo and Mary Deters owned Deters Tower Service Inc in

Leo and Mary Deters owned Deters Tower Service, Inc., in Iowa. Deters Tower serviced television and radio towers and antennas in a multistate area. The firm obtained a commercial general liability policy issued by USF Insurance Co. to provide coverage for its officers, including Leo. One afternoon, Leo and two Deters Tower employees were working on a TV tower in Council Bluffs when they fell from the tower to their deaths. The workers’ families filed a negligence suit against Leo’s estate. USF refused to defend the Deters estate against the suit and pay any resulting claim but did not provide a reason for its refusal. Is USF liable to the Deters estate for this refusal? If so, on what basis might the Deters estate recover, and how much?


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  • CreatedJune 18, 2014
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