Tortfeasor was not Volunteer Worker Missouri law

Tortfeasor was not Volunteer Worker
Liability policy covered damages by volunteer workers.  Policy holder, through employee, retained one person to repair forklift, who retained a second person to do that work.  While driving the forklift, second person collided with Dry and Dry got a big judgment against him.  Dry then sued the liability insurer to get his money.  But he didn't get any.  The policy covered volunteer workers, but Second person / tortfeasor did not fit within the definition of a "volunteer worker" under the policy because second person had no authority from policy holder to do work.   The policy required that  volunteer workers be directed by the insured. 

SCOTTY DRY, Plaintiff-Appellant, vs. UNITED FIRE & CASUALTY CO., INC., Defendant-Respondent.
Missouri Court of Appeals, Southern District - SD32296

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