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U.S. FID. & GUAR. v. LIGHTNING ROD MUTL. INS. CO.

No. 96-2516.

80 Ohio St.3d 584 (1997)

UNITED STATES FIDELITY & GUARANTY COMPANY, APPELLANT, v. LIGHTNING ROD MUTUAL INSURANCE COMPANY, APPELLEE.

Supreme Court of Ohio.

Decided December 31, 1997.

Attorney(s) appearing for the Case

Robert H. Willard, for appellant.

Andrew J. Mollica, for appellee.

COOK, J.

The issue in this case is whether Lightning Rod's policy excluding coverage for operation of a vehicle carrying property "for a fee" covers an insured who is paid an hourly wage and is reimbursed for mileage for making deliveries but is not paid per delivery.

"[W]ords and phrases used in an insurance policy must be given their natural and commonly accepted meaning." Gomolka v. State Auto. Mut. Ins. Co. (1982),

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