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SOUTHERN INS. CO. OF VIRGINIA v. WILLIAMS

Record No. 011583.

561 S.E.2d 730 (2002)

263 Va. 565

SOUTHERN INSURANCE COMPANY OF VIRGINIA v. John A. WILLIAMS, et al.

Supreme Court of Virginia.

April 19, 2002.

Attorney(s) appearing for the Case

Mark J. Peake (Caskie & Frost, on briefs), Lynchburg, for appellant.

Bryan K. Selz, Rustburg; Cindra M. Dowd, Norfolk (Richard J. Serpe; Overby, Hawkins, Selz and Wright, Rustburg; Glasser & Glasser, Norfolk, on the briefs), for appellees.

Present: All the Justices.

Opinion by Justice KOONTZ,

In this appeal, we consider whether the trial court in a declaratory judgment action correctly determined that an insurance company had a duty to defend and provide liability coverage under a "BUSINESSOWNERS" policy.

BACKGROUND

The parties do not dispute the material facts. On January 6, 1989, John A. Williams applied for a businessowners insurance policy with an insurance agency representing Southern Insurance Company...

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