Block v. Fireman's Fund Insurance Co.
Block v. Fireman's Fund Insurance Co.
Opinion of the Court
This is an appeal from a final declaratory decree finding no liability insurance cover
We affirm the declaratory decree under review because the subject insurance coverage provision, when read as a whole, is unambiguously limited to acts of professional malpractice or negligence committed by the insured as a veterinarian and does not, as urged, cover any negligent act, of whatever nature, he may commit in connection with operating his office. In particular, the insurance policy clearly does not cover the insured for a business decision, as here, which he makes with reference to one of his employees concerning the conditions of employment, i.e., when an employee must return to work after a sick leave and whether protective gloves should be provided to an employee when handling animals. International Surplus Lines Ins. Co. v. Seagrave House, Inc., 572 So.2d 933 (Fla. 5th DCA1990); Koenigsberg v. Intercontinental Ins. Co., 571 So.2d 578 (Fla. 4th DCA1990); American Motorists Ins. Co. v. Farrey’s Wholesale Hardware Co., Inc., 507 So.2d 642 (Fla. 3d DCA), rev. denied, 518 So.2d 1274 (Fla. 1987); Hess v. Liberty Mut. Ins. Co., 458 So.2d 71, 72 (Fla. 3d DCA1984); Saha v. Aetna Casualty & Sur. Co., 427 So.2d 316, 317 (Fla. 5th DCA1983).
Affirmed.
Case-law data current through December 31, 2025. Source: CourtListener bulk data.