In American Family Mut. Ins. Co. v. As One, Inc., No. 26906, 2006 WL 1062910 (Mo. App. S.D. Apr. 24, 2006), a Missouri appeals court found that the word “furnished,” as a matter of law, does not mandate that a third party supply a worker to an insured.

James Stepp was injured while using a bucket truck on the job, working with As One. As One did not carry workers compensation insurance; it was insured under a business auto policy with American Family.