The plaintiffs, a grapevine grower and a nursery, sought a declaration that their insurer owed them a duty to defend an underlying action in British Columbia regarding allegedly defective vines.
The insurer denied coverage based on the 'Your Product', 'care, custody or control', and 'fungus' exclusions in the Commercial General Liability policy.
The court held that the pleadings in the underlying action clearly triggered the exclusions, relieving the insurer of any duty to defend.
The court also addressed the plaintiffs' request to appoint independent counsel, noting that while no duty to defend existed, specific protective measures would have been ordered to prevent conflicts of interest had the duty been found.