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ANDERSON v. ZURICH INSURANCE COMPANY

614 S.W.2d 246 (1980)

Randolph ANDERSON, d/b/a Anderson Construction Company, Movant, v. ZURICH INSURANCE COMPANY and Curtis Cobb, d/b/a Curtis Cobb Insurance and Real Estate, Respondents.

Supreme Court of Kentucky.

Rehearing Denied February 17, 1981.

As Modified March 10, 1981.

As Modified May 15, 1981.

Attorney(s) appearing for the Case

Howard Downing, Nicholasville, for movant.

B. L. Kessinger, Lexington, for Zurich Ins. Co.

Nolan Carter, Jr., Lexington, for Curtis Cobb.

OPINION OF THE COURT

The question before the court is whether the Court of Appeals properly reversed the trial court's reformation of an insurance contract.

The movant, Randolph Anderson, applied for broad form insurance coverage for his construction equipment with Zurich Insurance Company through an independent insurance agency, Curtis Cobb. Without Anderson's knowledge or consent, Zurich's underwriter changed the application to coverage for specific perils...

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