Fitzpatrick was in the business of collecting and selling urine from pregnant mares. His operation was insured under a commercial general liability policy with a livestock floater attached. Damage to the mare’s fetuses, which did not affect the mares but caused a financial loss to Fitzpatrick due to his inability to sell their urine, was insured under the livestock floater of his CGL policy.
Fitzpatrick v. Red River Valley Mutual Insurance Co., [2004] S.J. No. 453, Saskatchewan Court of Queen’s Bench