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IRAC Scenario Question?

An insurer issued commercial and general liability policies to a steel manufacturing company. In applying for the policies at issue, the manufacturing company noted in its application of insurance that it did not perform work above two-stories.

After policy issuance, a manufacturing company employee was severely injured while installing metal-decking on a twelve-story storage facility.

I – How would you frame the legal issue?

R – How would you describe the rule(s) of law?

A – How would you apply the rule(s) of law and the key facts together?

C – How would you conclude (or answer) the legal issue that you framed?

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