Assurant must defend horse farm in golf cart accident

An Assurant Inc. unit must defend a horse farm and equestrian center in a golf cart accident, a federal appeals court said Monday, in overturning a lower court ruling.

St. Charles, Illinois-based St. Charles Farms LLC operated a horse farm and equestrian center whose business activities included maintaining, training and boarding horses, and had insurance coverage with Assurant Inc. unit Miami-based American Bankers Insurance Co., according to Monday’s ruling by the 7th U.S. Circuit Court of Appeals in Chicago in American Bankers Insurance Co. of Florida v. Robert Shockley Jr.

In November 2016, Ashley Ratay, an SFC employee, transported horses, equipment and an SFC golf cart from the farm to Barrington Hills Riding Center in Barrington Hills, Illinois, which is about 15 miles from SCF’s property, according to the ruling.

At some point, Mr. Shockley was a passenger in the golf cart. While he was in the passenger seat, Ms.

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