Contracts: Insurance Policies

Stokes v. Golden Triangle, Inc., 2015 MT 199, 380 Mont. 93, 353 P.3d 500 An insurance policy, like any other contract, must be interpreted in accordance with the intent of the parties.  Under contract law, policies are construed strictly against the insurer and in favor of the insured.  Therefore, where an insurer’s failure to expressly name the employer in the insurance policy was an inadvertent administrative error but the employer’s payroll was used to calculate the premiums, coverage existed for the employer’s employees and the employer was a covered insured under the workers’ compensation policy.