| Minn. | Jul 19, 1889
During and prior to the year 1887, plaintiffs were engaged in milling wheat in the city of Minneapolis, and from time to time purchased large quantities of wheat to be ground or disposed of by them, and stored in elevators in the city of Minneapolis. The St. Anthony Elevator, built by the St. Anthony Elevator Company, was completed in the spring or summer of 1887, and was situated with all its additions and appurtenances upon the lot described as “Auditors’ Subdivision No. 21, Minneapolis, E. D., Minnesota.” The entire property was described and known as “The St. Anthony Elevator.” It consisted of an engine-house, elevator adjoining, containing all the elevating machinery in the establishment, and having in its storage bins a capacity of 500,000 bushels, and of an addition or extension, designated as “Annex A,” in distinction from the building first described, which was called the “Main Elevator” or “Main Elevator Building,” and about 300 feet distant, and having 80 bins with a capacity of 1,000,000 bushels. The two buildings were connected in their construction and were operated as one elevator, having passage-ways or galleries between them, covered and constructed in the same way as the buildings connected by them. Eor a more particular description we may refer to the findings of the trial court, which show: “That said parts of said elevator so designated as * Main Elevator Building ’ and ‘ Annex A ’ were substantially identical in their construction and description, differing only in size and in the mechanical appliances used therein; that the said galleries connecting them as aforesaid are as follows; two galleries, one above the other, supported by trestles, which were sustained by
“That all the machinery for operating the entire elevator was contained in the Main Elevator Building; that said Annex A was so constructed that no grain could be received directly into, or be delivered directly therefrom, but all grain received therein passed, and by reason of the construction thereof was compelled to pass, first into said Main Elevator Building, where it was weighed and elevated, and from which it was passed over said belt conveyor along said upper galleries into said Annex A; and all grain delivered out of said last-named compartment of said elevator by reason of the construction thereof was compelled to pass therefrom over said belt conveyor, along said lower gallery, and thence into said Main Elevator Building, where it was weighed, and from which it was delivered into ears, or otherwise disposed of as occasion required; that said Annex A was so constructed that it could not be used for the purpose of receiving, handling, or storing grain except in connection with and as a part of said Main Elevator Building; that said entire plant as hereinbefore described, and situated as aforesaid, was generally and commonly known and designated by the name of ‘The St. Anthony Elevator;’ that said name applied to and covered the
The elevator in question was, as we have seen, a new one, having been built but a short time before the date of the insurance mentioned in the pleadings. The plaintiffs had never'owned or insured any wheat therein before, and were not acquainted with the method of its construction or operation. On June 16,1887, plaintiffs purchased the wheat which they claim is covered by the policy in question here, and which was then in the St. Anthony Elevator, stored in “Annex A,” and on the same day applied to one Thompson, who was agent for defendant in Minneapolis and for several other insurance companies, and who had frequently taken for them risks on grain in other elevators, “to place $4,000 insurance for sixty days on grain in St. Anthony Elevator.” No particular company was designated by them, that being left to the agent, according to their usual method of transacting business with him. The agent in response premised to do so, but made no inquiries in regard to the particular location of the grain in the elevator, whether in special bins, the “Annex,” “Main Elevator Building" or otherwise. The agent afterwards, in pursuance of such application, issued the particular policy upon which this suit is brought. The entire elevator, including both the Annex and the Main Building, was destroyed by fire on July 19, 1887, and all the wheat therein, including plaintiffs’, was destroyed or damaged by fire.
The principal question in the case and the one upon which the decision must turn is in respect to the sufficiency of the description made by the agent in drafting the policy, to cover the wheat intended to be insured. It reads as follows:
“Four thousand dollars on the following specified and located property, namely:
“$4,000 on grain, their own or held by them in trust or on com-mission, or sold but not delivered, while contained in the frame, ironclad, metal-roof building, occupied for the storage and handling of grain, and known as the St. Anthony Elevator, situated in Auditors’ Subdivision, No. 21, Minneapolis, E. D., Minnesota.”
The contention of the defendant is that the special or more particular description is intended to limit the risk to the first or Main Elevator Building, and ought not to be construed to extend any further. It will be observed, however, that the language of the policy is not •limited to the “Main Elevator” or “Main Elevator Building,” which is the designation applied to the building nearest the engine-house, ¡and is rather descriptive of the character and construction, and purpose and use of the building insured than necessarily intended to limit the risk to any part. And the conclusion is warranted from the evidence that the terms “Main Elevator” and “Annex” were convenient •designations in the practical use of the elevator, just as special bins might be referred to, for the purpose of local description or identifi•cation. And the wheat was constantly being changed from the one ■division to the other as to and from different bins, for the purpose of ventilation and to prevent the mass of wheat from heating. But it is found that the whole structure and not one division merely is known ¡as the St. Anthony Elevator,, and the more particular reference to the iron-clad covering and use of the building applies as well to the whole as to each part or division; so that the description in the policy is fairly susceptible of the construction claimed for it by the plaintiffs, as intended to cover grain in any part of the elevator; and in such ■cases the rule is that the interpretation most favorable to the assured is to be adopted. Olson v. St. Paul F. & M. Ins. Co., 35 Minn. 432, (29 N. W. Rep. 125;) Blake v. Exchange Mut. Ins. Co., 12 Gray 265, 270. The plaintiffs reposed such trust in the agent of the defendant •that it was left to him both to select the company and formulate the description in the policy, (and this he must have understood,) and it is- to be presumed that he was familiar with the structure of the elevator, its divisions, manner of its use, and description; and if it was
The findings of fact, which are clearly supported by the evidence, are decisive of this case, and it is not deemed necessary to consider the assignments of error further.
Order affirmed.
The defendant having moved for a reargument, the following was filed August 20, 1889.
On a motion for reargument our attention is called to the fact that in the policy as copied in the opinion, the word “Elevator” is omitted before “building,” but we think this makes no material difference in the construction. It does not appear that the “Main Elevator Building” was intended, or that the language so used would not apply as well to the whole building as any part.
Motion denied.