Ferguson v. Phoenix Assurance Company of New York
Kansas Supreme Court
370 P.2d 379 (1962)
Ferguson (plaintiff) was insured against “safe burglary” under a “Storekeepers Burglary and Robbery Policy” issued by Phoenix Assurance Company of New York (Phoenix) (defendant). Ferguson operated a drug store. On the night of March 9, 1960, Ferguson’s store was burglarized by forcing the front door open, as evidenced by tool marks. Actual damage to the premises occurred in the amount of $70.00, and $32.59 in narcotics was taken from a storage drawer. Ferguson’s safe was also broken into and $433.76 was stolen from inside the safe. The safe had two doors. The outer door was locked with a combination lock, and the inner door was locked with a key. During the robbery, the outer door was opened by manipulating the combination lock, and the inner door was opened by punching out the lock. There were no visible marks on the outer door of the safe showing the use of force and violence in gaining access to the safe through this door, but there were visible marks of force and violence on the safe’s inner door. Ferguson’s insurance policy excluded recovery for safe burglary to incidents where there is evidence of force and violence consisting of “visible marks made by tools, explosives, electricity or chemicals upon the exterior of (a) all of said doors of such vault or such safe and any vault containing the safe, if entry is made through such doors…” Based on this clause in Ferguson’s insurance policy, Phoenix denied coverage for the money stolen from Ferguson’s safe on the ground that the exterior door showed no visible signs of force and violence, but rather was opened by a manipulation of its combination lock. Ferguson brought suit against Phoenix in Kansas state court seeking recovery for the money taken from his safe. The trial court held that Ferguson was entitled to full recover under his insurance policy in the amount of $536.35, plus $300.00 for attorney fees. Phoenix appealed.
Rule of Law
Holding and Reasoning (Schroeder, J.)
Dissent (Price, J.)
What to do next…
Unlock this case brief with a free (no-commitment) trial membership of Quimbee.
You’ll be in good company: Quimbee is one of the most widely used and trusted sites for law students, serving more than 97,000 law students since 2011. Some law schools—such as Yale, Vanderbilt, Berkeley, and the University of Illinois—even subscribe directly to Quimbee for all their law students. Read our student testimonials.
Learn more about Quimbee’s unique (and proven) approach to achieving great grades at law school.
Quimbee is a company hell-bent on one thing: helping you get an “A” in every course you take in law school, so you can graduate at the top of your class and get a high-paying law job. We’re not just a study aid for law students; we’re the study aid for law students. Read more about Quimbee.
Here's why 153,000 law students have relied on our case briefs:
- Written by law professors and practitioners, not other law students. 13,400 briefs, keyed to 183 casebooks. Top-notch customer support.
- The right amount of information, includes the facts, issues, rule of law, holding and reasoning, and any concurrences and dissents.
- Access in your classes, works on your mobile and tablet. Massive library of related video lessons and high quality multiple-choice questions.
- Easy to use, uniform format for every case brief. Written in plain English, not in legalese. Our briefs summarize and simplify; they don’t just repeat the court’s language.