Purdie

In this case we deal with a dispute concerning coverage provided by the liability provisions of a multiperil liability insurance policy for a shooting incident on the insured premises of a liquor store. The trial court, in a declaratory relief action initiated by the insurance carrier, determined the firearm exclusion indorsement to the insurance policy precluded coverage. Judgment was entered declaring the insurance carrier has no duty to defend or indemnify the insured or its employee against the claim of third parties, Walter Atkinson and his wife, Casandra Atkinson, for bodily injuries. Walter and Casandra Atkinson (hereafter appellants) appeal from the judgment.

The insurance policy was issued by Underwriters Insurance Company (hereafter Underwriters) to Samuel James Porter and John Edward Purdie, doing business as Jax Liquor (hereafter insured). The policy consists of 34 pages and has 2 principal parts. The first part entitled “Section 1—General Personal Property Form” identifies certain covered property and contains specific exclusions. The second part entitled “Section II—Special MultiPeril Policy Liability Insurance” provides liability coverage. The policy was…