Agent procures a rodeo insurance policy with an animal exclusion. (Photo: iStock)

Ken Finch Jr., is a self-employed logger who is also engaged in the business of putting on rodeos.

In connection with this business, Finch owns bulls and other animals, as well as trucks and trailers. Back around 2006, Finch began obtaining insurance from defendant Steve Cardell Agency, a New York insurance agency of which Steven I. Cardell is president. Finch obtained liability insurance for rodeos by contacting Cardell before each show. Cardell would then procure coverage for the event and provide Finch with an insurance certificate.

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