The plaintiff in this case was the insured under a comprehensive liability policy issued by the defendant to "Home Builders, R. M. Kuhr, d/b/a" as named insured and showing that "Business of the named insured is Contractor." One of the coverages of the policy was "Property Damage Liability — Except Automobile," which provided that the insurer "Agrees with the insured . . . To pay on behalf of the insured all sums which the insured shall become legally obligated to pay as damages because of injury to or destruction of property, including the loss of use thereof, caused by accident."
A petition was filed against the insured which alleged that while the defendant was engaged in making repairs on the petitioner's
The term "accident" in liability insurance contracts generally does not include an injury deliberately and wilfully done, but generally covers injuries caused by negligence of the insured. Aetna Cac. &c. Co. v. Starrett, 102 Ga.App. 278, 280 (115 S.E.2d 641); Sontag v. Galer, 279 Mass. 309 (181 NE 182); Travelers Ins. Co. v. Reed Co., (Tex. Civ. App.) 135 S.W.2d 611, 616; Rex Roofing Co. v. Lumber Mut. Cas. Ins. Co. of N. Y., 116 N.Y.S.2d 876, 878; Larsen v. General Cas. Co. of Wisconsin, 99 F.Supp. 300, 302 (D. Minn. 151); Knight v. L. H. Bossier, Inc., (La.) 118 S2d 700; 7A Appleman, Insurance Law and Practice, 7, § 4492. Such contracts cover the risks incidental to the occupation in which the insured is engaged, and negligence on the part of the insured which causes or contributes to the injury or damage is not a defense. Cross v. Zurich General Accident & Liability Ins. Co., 184 F.2d 609, 611 (7th Cir. 1950); Koch v. Ocean Accident & Guaranty Corp., 313 Ky. 220 (230 S.W.2d 893); Moore v. Fidelity & Cas. Co. of N.Y., 140 Cal.App.2d 967 (295 P.2d 154).
The damages for which the insured became liable in this case were covered by the insurance contract alleged. The trial court did not err in overruling the general demurrers to the petition of the insured.
Judgment affirmed. Nichols, P. J., and Deen, J., concur.