Parma Seed v. General Insurance Company

The facts giving rise to this litigation are neither complex nor in dispute. It appears that respondent Parma Seed, Inc. purchased
a blanket liability insurance policy from appellant General Insurance Company of America. Appellant's agent suggested that
respondent purchase "products coverage," but respondent declined this additional coverage. During the period when the blanket
liability policy was in effect, respondent received orders for a certain weedkilling chemical. Respondent's supplier delivered
the wrong product to respondent's premises, and respondent's agents passed this more potent product on to respondent's customers.
The result was the destruction of several field crops upon application of the product. Claims were made against respondent and its supplier by respondent's customers, and respondent made demand upon appellant
to adjust these claims. Appellant refused, maintaining that these claims were exempted from coverage under the insurance contract.
Respondent thereafter filed its complaint initiating the case now before us.