An action was filed seeking declaratory judgment. The plaintiffs, who are the insured and one of their insurers, seek an adjudication that another insurer, is obliged to defend a certain action for personal injuries based upon the alleged negligence of one of the plaintiffs. The personal injury action was filed by workers who were injured as a result of a truck accident. According to sources, the motor truck involved in the accident had been leased. The truck was covered by a liability policy.
The policy not only protected the named insured, the owner of the truck, but also any person or organization legally responsible for the use of the subject truck. The policy, however, does not protect the named insured if the accident occurs while the automobile is not being used exclusively in the business of the Named Insured and over a route the Named Insured is authorized to serve by federal or public authority.
The plaintiffs contended that at the time of the truck accident the truck was operated in the business of the named insured and that therefore the policy applies to the pending personal injury suit. The insurer, on the other hand, asserted that the named insured did not operate the truck exclusively in his own business at the time of the accident and that therefore there is no coverage here.