Universal Underwriters Insurance v. Gerrish Corp.

How later courts describe this case

• finding that absence of instruction was not reversible error because instructions as a whole, which included theory of case instruction, correctly charged jury
• state labeling a crime as a misdemeanor makes no difference for purposes of sentence enhancement. Under Taylor, the construction of federal laws not dependent on state law
• the district court adopted a special master's conclusions that groundwater was not "owned or controlled" by the insured, so that a policy exclusion on those grounds could not defeat coverage