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.

Want to continue reading?
Become a Free
PropertyCasualty360 Digital Reader.


  • All news coverage, best practices, and in-depth analysis.
  • Educational webcasts, resources from industry leaders, and informative newsletters.
  • Other award-winning websites including and

Already have an account?



Join PropertyCasualty360

Don’t miss crucial news and insights you need to make informed decisions for your P&C insurance business. Join now!

  • Unlimited access to - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including, and
  • Exclusive discounts on PropertyCasualty360, National Underwriter, Claims and ALM events

Already have an account? Sign In Now
Join PropertyCasualty360

Copyright © 2023 ALM Global, LLC. All Rights Reserved.