A university student was severely injured during a freshman orientation mud slide event.
The student sued the university and the student residence president, among others.
The appellant, who insured the university and its agents, settled the lawsuit and sought equitable contribution from the respondent, who provided a homeowners' policy to the residence president's parents.
The Court of Appeal dismissed the appeal, finding that while the residence president was covered under his parents' policy, the claim was excluded by the policy's business exclusion clause because he received an honorarium for his duties.
As there was no concurrence of coverage, the appellant was not entitled to equitable contribution.