Third District Court of Appeal
                               State of Florida

                          Opinion filed August 5, 2015.
         Not final until disposition of timely filed motion for rehearing.

                               ________________

                               No. 3D14-2524
                          Lower Tribunal No. 12-4152
                             ________________


                   Charlsie Sammydra Bryant, et al.,
                          Appellants/Cross-Appellees,

                                        vs.

                    Windhaven Insurance Company,
                           Appellee/Cross-Appellant.


      An Appeal from the Circuit Court for Miami-Dade County, Lisa S. Walsh,
Judge.

      Ver Ploeg & Lumpkin, and R. Hugh Lumpkin and Heather J. Gorin, for
appellants/cross-appellees.

      Law Offices of Gomez & Gomez, and Richard M. Gomez, for
appellee/cross-appellant.


Before SHEPHERD, SALTER and LOGUE, JJ.

     SALTER, J.
      This appeal and cross-appeal involve insurance coverage following a tragic

incident. We affirm the final judgment and the trial court’s determination that

coverage was excluded.

      The appellants are the co-personal representatives of the estate of an infant

who died in July 2011 (the “Estate”). The incident occurred when the driver of a

van used to transport children to and from a daycare center left the infant in a

carseat in the back of the van for over seven hours. The child allegedly died from

the effects of the summer heat.

      The appellee, Windhaven Insurance Company, issued a personal automobile

insurance policy covering the operation of a sedan—not the daycare van involved

in the child’s death—owned and operated by Mr. Hernandez. Mr. Hernandez, the

van driver for the daycare center, picked up the infant on the day of the tragedy,

drove that vehicle (not his personal sedan) to the day care center, and parked it in

front of the day care center where it remained through the time the infant’s death

was discovered.

      When the daycare center, its landlord, and Mr. Hernandez were sued by the

Estate for wrongful death, Mr. Hernandez notified Windhaven and requested a

defense and indemnity under his personal automobile policy. Windhaven reserved

its rights, provided a defense, and filed a declaratory action against the Estate and

other parties alleging that its policy provided no coverage regarding the child’s



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death or any alleged negligence by its insured. Windhaven alleged that liability

coverage was not available because of two exclusions in Hernandez’s personal

automobile policy:

            EXCLUSIONS

            A. We do not provide Liability Coverage for any ‘insured’:

                                             ***

            12. For any vehicle while it is being used for or in the course of
      “your” employment or occupation.

                                             ***

            B. We do not provide Liability Coverage for the ownership,
      maintenance or use of:
                                     ***

            2. Any vehicle, other than “your covered auto”, which is:

                                             ***

            b. Furnished or available for your regular use.

      The parties filed cross-motions for summary judgment regarding the

exclusions. The trial court granted Windhaven’s motion regarding the so-called

“regular use” exclusion, B.2.b., but denied its motion regarding the “employment”

exclusion, A.12.1    This appeal by the Estate and cross-appeal by Windhaven

followed.
1 The trial court denied the Estate’s cross-motion for summary judgment regarding

the claimed inapplicability of the “regular use” exclusion, and granted the Estate’s
cross-motion regarding the claimed inapplicability of the “employment” exclusion.


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      Analysis

      The pertinent facts are not disputed for purposes of the coverage case, so

that the applicability of the policy exclusions is a question of law. State Farm Fire

& Cas. Co. v. Castillo, 

, 244 (Fla. 3d DCA 2002). We agree with

the trial court that the daycare center van, like police squad cars2 assigned for use

by law enforcement officers, was furnished for Mr. Hernandez’s “regular use,” and

thus subject to coverage exclusion B.2.b.

      We also conclude, however, that the “employment” exclusion, A.12, applies

to Mr. Hernandez’s use of the daycare center van. There is no dispute regarding

Mr. Hernandez’s status as an employee of the daycare center when using the van.

But the Estate argues causation—that the cause of the infant’s death was not Mr.

Hernandez’s “use” of the van, because death occurred while the van was parked at

the daycare center. In Martinez v. Citizens Property Insurance Corp., 

(Fla. 3d DCA 2008), we found that a vehicle was not the cause of an injury in

which the insured was crushed by his falling car while it was parked in the

insured’s driveway for an oil change. In that case, the cause of the injury was the




2  See Stack v. Surdacki, 

(Fla. 3d DCA 1985); O’Brien v. Halifax
Ins. Co. of Mass., 

(Fla. 1st DCA 1962). As O’Brien makes clear, it
is the regular use of vehicles other than the insured’s personal vehicle that brings
the exclusion into operation, and this is the result whether a single assigned vehicle
or a pool of vehicles is made available for “regular use” by the insured.

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collapse of a slab of concrete that would not hold the weight of the car, and not the

car itself.

       But in the present case, there is a direct causal connection between the use of

the van and the infant’s tragic death. The undisputed circumstances of the death

establish that the injuries were the result of an accident arising out of the use of the

van, in contrast to the cause of injury and the jitney bus in Lancer Insurance Co. v.

Gomez, 

(Fla. 3d DCA 2001). Lancer Insurance Co. applied the

three-prong test set forth in Race v. Nationwide Mutual Fire Insurance Co., 

347 (Fla. 1989), to determine if an accident arises out of the ownership,

maintenance or use of an automobile. Race requires that:

        1. The accident must have arisen out of the inherent nature of the
        automobile, as such;

        2. The accident must have arisen within the natural territorial limits
        of an automobile, and the actual use, loading, or unloading must not
        have been terminated;

        3. The automobile must not merely contribute to cause the condition
        which produces the injury, but must, itself, produce the injury.

(quoting 6B John Appleman & Jean Appleman, Insurance

Law and Practice, § 4317 (Buckley ed.1979)). Applying that test, we conclude that

the accident in the present case stemmed from “use” of the van, supporting

application of the employment exclusion, A.12.




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      Under the first prong, the death arose out of the inherent nature of the van as

a passenger transport. Prong two is satisfied because the accident occurred as a

result of the unloading of the vehicle. In the case of the child, the unloading was

not terminated, and it follows that the use of the van was not terminated. Prong

three is also satisfied. The van itself produced the hyperthermal injury and death

because of the van’s windows and lack of cooling or ventilation.

      Conclusion

      We affirm the final judgment in favor of Windhaven, including the summary

judgment determining that the regular use exclusion, B.2.b, excludes coverage for

the child’s death under Mr. Hernandez’s personal automobile policy. Although

that determination makes it unnecessary for us to reach the cross-appeal, we have

provided our analysis regarding the employment exclusion for consideration in any

subsequent review. As detailed above, we have concluded that the employment

exclusion, A.12, also excludes coverage on these undisputed facts and provides an

independent basis for the result below.

      Affirmed.




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