The appellants appealed a Master's decision granting summary judgment to the third-party insurer, striking the appellants' third-party claim.
The Master concluded that the plaintiff's claim against the appellants fell outside the insuring agreement because the appellants were acting as a general contractor rather than a building material wholesaler, and the damages did not result from an accident.
The Divisional Court dismissed the appeal, finding that the allegations clearly related to the appellants' activities as a contractor and that foundation settlement due to inadequate soil conditions could not reasonably be characterized as an accident.