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JUSTICE GREIMAN delivered the opinion of the court:

Plaintiff, doing business as Green Acres Landscaping, purchased an insurance policyfrom American Family Mutual Insurance Company (American) that consisted of commercialgeneral liability coverage and commercial inland marine coverage in the amount of $1 million. The commercial general liability policy included an endorsement that provided coverage forhired auto and nonowned auto liability. In addition to the commercial general liability policy,plaintiff purchased a separate group automobile liability policy in order to provide coverage forthe vehicles being operated in connection with his business. Pursuant to the terms of this policy,bodily injury liability was limited in the amount of $100,00 per person and $300,000 peroccurrence; accordingly, plaintiff contracted for uninsured motorist coverage in the amounts of$100,000 per person and $300,000 per occurrence.

Plaintiff alleges that on June 17, 1994, he was struck by an automobile while riding abicycle. Ultimately, plaintiff settled with the driver's insurer, Farmer's Insurance Company, forthe full available policy limits of $100,000. Plaintiff then submitted a claim to American foruninsured motorist coverage based on a belief that his damages exceeded $100,000. Americandenied plaintiff's claim on the basis that the amount paid by Farmer's Insurance Companyequaled the uninsured motorist coverage available to plaintiff under the separate groupautomobile liability policy.

On September 29, 1997, plaintiff filed a complaint for declaratory judgment againstAmerican wherein he alleged that the commercial general liability policy was subject to section143a-2 of the Illinois Insurance Code and that, by operation of law, he was entitled to uninsuredmotorist coverage in the amount of that policy. 215 ILCS 5/143a-2 (West 1992). Based on thatallegation, plaintiff requested that defendant be ordered to arbitrate the matter as if uninsuredmotorist coverage in the amount of $1 million was included in the commercial general liabilitypolicy and that the court find that defendant had engaged in improper claims practices.

American filed an answer to plaintiff's complaint in which all of plaintiff's relevantallegations were denied. Shortly thereafter, plaintiff filed a motion for judgment on the pleadingsasserting that American was required by section 143a-2 to offer him uninsured motorist coveragein connection with his purchase of the commercial general liability policy because that policyincluded an endorsement for hired auto and nonowned auto liability. Plaintiff's motion forjudgment on the pleadings was stricken because plaintiff had not complied with defendant'soutstanding discovery requests.

On June 29, 1999, plaintiff filed a first amended complaint for declaratory judgment. Incounts I and II of that pleading, plaintiff realleged the same relevant facts contained in theoriginal complaint and requested that the trial court reform the commercial general liabilitypolicy so that it included uninsured motorist coverage in the amount of $1 million and orderAmerican to arbitrate the matter. Furthermore, in count III, plaintiff asserted that American,through its agent Anthony Stajszczak, breached a duty of care it owed to him by negligentlyadvising him with respect to his insurance needs and by failing to provide him with adequateinsurance. In count IV, plaintiff argued that defendant's conduct with respect to the sale of thecommercial general liability policy was in violation of the Consumer Fraud and DeceptiveBusiness Practices Act. (815 ILCS 505/1, et seq. (West 1992)).

American answered counts I and II of the first amended complaint for declaratoryjudgment and filed a motion to dismiss counts III and IV. The trial court granted the motion todismiss as to count IV, but denied the motion as to count III.

On September 27, 1999, plaintiff filed a second amended complaint for declaratoryjudgment which included an amended count IV. Additionally, in the second amended complaint,plaintiff joined Anthony Stajszczak as a defendant with respect to counts III and IV. Defendantsfiled a motion to dismiss count IV and answered the remaining counts. The trial court denied themotion to dismiss count IV and, shortly thereafter, defendants filed an answer to it.

On May 26, 2000, plaintiff filed a motion for judgment on the pleadings as to counts Iand II of the second amended complaint. Specifically, plaintiff reiterated his argument that theinclusion of the endorsement in the general liability policy brought the policy within the scope ofsection 143a-2 and required that an offer of uninsured motorist coverage be made at the timeplaintiff purchased the policy.

On September 6, 2000, American filed its response and cross-motion for judgment on thepleadings as to counts I and II. American asserted that it was entitled to entry of the judgment inits favor on plaintiff's request to reform the policy to include uninsured motorist coverageinsomuch as the subject commercial general liability policy provided coverage only for theliability of the plaintiff for injuries sustained by third parties in connection with his business andnot for injuries sustained by plaintiff himself. In simpler terms, American argued that a "liabilityonly" policy cannot be held subject to the requirements of section 143a-2.

On October 12, 2000, the trial court ruled that the commercial liability policy was a"liability" policy as opposed to a "vehicle" policy and that the endorsement was also limitedsolely to liability. Accordingly, the trial court entered an order granting American's cross-motionfor judgment on the pleadings, denying plaintiff's motion for judgment on the pleadings, andentering judgment in favor of American and against the plaintiff on counts I and II.

Plaintiff filed a motion to reconsider, which was granted by the trial court. The trial courtentered an order granting plaintiff's motion to reconsider, vacating the order of October 12, 2000,and granting judgment in favor of plaintiff on counts I and II of the second amended complaintfor declaratory judgment.

Next, American filed a motion to reconsider the trial court's order of March 6, 2001,which was subsequently denied by the trial court. American now appeals the trial court's rulingon counts I and II of the second amended complaint.

The issue before us is whether the trial court correctly determined that the commercialgeneral liability policy issued to plaintiff was subject to section 143a-2 of the Illinois InsuranceCode. We affirm the trial court's decision to enter judgment in favor of the plaintiff on counts Iand II of the second amended complaint.

On appeal, American asserts that the commercial general liability policy issued toplaintiff does not fall within the ambit of section 143a-2, and, therefore, it was never required tooffer plaintiff uninsured motorist coverage. Plaintiff, on the other hand, argues that section 143a-2 mandates reformation of the commercial general liability policy to provide uninsured motoristcoverage, and, therefore, the trial court's decision should be affirmed. Since the case at bar stemsfrom the trial court's judgment on the pleadings, the standard of review is de novo. Board ofTrustees of the University of Illinois v. City of Chicago, 317 Ill. App. 3d 569, 571 (2000).

First, we consider the nature of the insurance coverage purchased by plaintiff. In the caseat bar, plaintiff purchased a commercial general liability policy for the period from November 2,1993, to November 2, 1994, naming as the insured Michael Harrington, doing business as GreenAcres Landscaping, operated as a sole proprietorship. Attached to the policy is an endorsementtitled "Hired Auto and Non-Owned Auto Liability." "When a court interprets an insurancepolicy, there are only two sources upon which it may base its analysis: the plain language of thepolicy and the plain language of the Insurance Code of 1937 as it existed at the time the policywas written. Cincinnati Insurance Company v. Miller, 190 Ill. App. 3d 240, 244 (1989), citingBailey v. State Farm Fire & Casualty Co., 156 Ill. App. 3d 979, 984 (1987). Only where anambiguity exists should the court look to other materials. Cincinnati, 190 Ill. App. 3d at 244,citing Price v. State Farm Mutual Automobile Insurance Co., 116 Ill. App. 3d 463, 470 (1983).

Mindful of the aforementioned rules of law, we will examine the plain language of thepolicy, as amended with the endorsement, and section 143a-2 of the Insurance Code in an effortto determine whether American had a duty to offer uninsured motorist coverage to plaintiff inconnection with his purchase of the commercial general liability policy. Moreover, case law tellsus that in order to determine whether the commercial general liability policy at hand falls withinthe scope of section 143a-2, we must first determine whether the direct benefit, albeit thefinancial benefit of the policy at hand, is received by the insured, the plaintiff in the case at bar,or by the individual who is physically injured himself.

In Cincinnati, 190 Ill. App. 3d at 245, this court relied on insurance classifications setforth in the Insurance Code to reach the conclusion that "[l]iability insurance protects the insuredfrom financial losses for claims brought by other persons which are legally recoverable againstthe insured." Uninsured motorist coverage, on the other hand, constitutes coverage where,regardless of the insured's liability, the insured is protected from financial losses for his or herinjury caused by and legally recoverable from another person who owns and/or operates anuninsured or underinsured motor vehicle. Cincinnati, 190 Ill. App. 3d at 245. If an insurancepolicy contains no express uninsured or uninsured coverage provision, the insured cannot recoveron his own liability policy. Cincinnati, 190 Ill. App. 3d at 247.

In Cincinnati, 190 Ill. App. 3d at 246, the issue was whether the insurance company had aduty to offer uninsured motorist coverage in connection with an umbrella policy. Cincinnati wasdecided in 1989 and, at that time, the Illinois Insurance Code provided in pertinent part:

" 'Insurers providing personal liability coverage on an excess or umbrella basis are neither required to offer, nor are they prohibited from offering or making available coverages conforming to this Section on a supplemental basis.' " Cincinnati,190 Ill. App. 3d at 246, quoting Ill. Rev. Stat. 1983, ch. 73, par. 755a-2(6).

Since 1989, section 143a of the Insurance Code has been rewritten and no longer includes thisprovision. At the time this provision was in effect, however, the Cincinnati court held that, inlight of the statutory language, the insurance company was under no duty to offer the plaintiffuninsured motorist coverage in conjunction with her umbrella policy. In addition to citing to theaforementioned provision for support, the Cincinnati court cited to Hartbarger v. Country MutualInsurance Co., 107 Ill. App. 3d 391 (1982).

The Cincinnati court noted that in Hartbarger, this court stated that " '[a]n umbrellaliability policy is generally designed to protect the insured from a judgment against him in anamount greater than that provided for in the underlying policies.' " Cincinnati, 190 Ill. App. 3d at247, quoting Hartbarger, 107 Ill. App. 3d at 394. In addition, the Cincinnati court stated:

"The Hartbarger court found that umbrella policy coverage is entirely different from coverage under an automobile policy and found that both insured and insurer intended that this umbrella policy was to protect the insured against excessjudgments in favor of others." Cincinnati, 190 Ill. App. 3d at 247, citing Hartbarger, 107 Ill. App. 3d at 396.

The Hartbarger court reasoned that, ultimately, the monetary benefit of an umbrella policy fallsupon the injured individual, not the insured. We note that where uninsured motorist coverage isinvolved, the monetary benefit ultimately falls upon the insured. Thus, these two, separate typesof policies "protect" different classes of "recipients." Aware of this observation, the Hartbargercourt refused to rewrite provisions of the umbrella policy simply to expand the coverage toinclude uninsured motorist coverage, which serves to benefit the insured. Cincinnati, 190 Ill.App. 3d at 247, citing Hartbarger, 107 Ill. App. 3d at 396.

Section 143a-2(4) of the Illinois Insurance Code requires that on or after July 1, 1983, theinsurer offer additional uninsured motorist coverage in connection with every motor vehiclepolicy. 215 ILCS 5/143a-2(4) (West 1992). Thus, we must ask whether the commercial generalliability policy at issue in the case at bar constitutes a motor vehicle policy or, perhaps, a policymore similar to that of an umbrella policy.

The commercial general liability policy at bar is unambiguous. Section I (coverage A) ofthe policy clearly provides plaintiff with liability coverage for bodily injury and property damage. However, attached to the policy is an endorsement. This court has held that "if there is a conflictin meaning between an endorsement and the body of the policy, the endorsement controls."Manchester Insurance and Indemnity Co. v. Universal Underwriters Insurance Co., 5 Ill. App. 3d847, 853 (1972). Moreover, the endorsement clearly states that it changes the policy and, morespecifically, modifies the commercial general liability coverage portion. The endorsement atissue provides liability coverage for bodily injury or property damage arising out of themaintenance or use of a "hired auto" by plaintiff or plaintiff's employees in the course ofbusiness. Additionally, the endorsement provides coverage for bodily injury or property damagearising out of the use of any "non-owned auto" by any of plaintiff's employees. We find that, ineffect, the endorsement transforms the commercial general liability policy into a motor vehiclepolicy for purposes of section 143a-2 of the Insurance Code. Thus, we hold that pursuant tosection 143a-2, American's agent, Anthony Stajszaczak, had a duty to offer plaintiff uninsuredmotorist coverage. In light of our finding that the endorsement at issue forces the commercialgeneral liability policy into the realm of motor vehicle policies, we hold that this court's decisionin Cincinnati is inapplicable since it dealt with an umbrella policy.

American contends that we cannot reach such a holding because doing so is inconsistentwith the language set forth in section 143a-2(1) of the Insurance Code. Section 143a-2(1)provides in pertinent part:

"Additional uninsured motor vehicle coverage. No policy insuring against loss resulting from liability imposed by law for bodily injury or death suffered by any person arising out of the ownership, maintenance or use of a motor vehicle shall be renewed or delivered or issued for delivery in this State with respect to any motor vehicle designed for use on publichighways and required to be registered in this State unless uninsured motorist coverage as required in Section 143a of thisCode is included in an amount equal to the insured's bodily injury liability limits unless specifically rejected by theinsured." 215 ILCS 5/143a-2(1) (West 1992).

According to American's interpretation of section 143a-2(1), this provision requires thatuninsured motorist coverage only be offered in conjunction with policies insuring against "loss"suffered by the insured. American asserts that this provision does not apply to policies insuringagainst either loss or liability. In essence, American is arguing that the uninsured motoristcoverage provision only applies to policies where the only injury insured is the insured's potentialinjury. In the case at bar, the endorsement provides coverage for bodily injury and propertydamage inflicted by the plaintiff, the insured, on another party; therefore, defendant contends thatsection 143a-2(1) does not apply to the policy at bar. Furthermore, like an umbrella policy,American asserts that the policy at bar, which it interprets as a "liability only" policy, is aimed atprotecting the injured third-party, rather than the insured. Thus, just as the Cincinnati courtrefused to require that uninsured motorist coverage be offered in conjunction with an umbrellapolicy, American asks that this court find that uninsured motorist coverage need not be offered inconjunction with a policy designed to protect the insured only against liability to others.

We cannot agree with American's argument. To begin, this court has held that " 'everyliability insurance policy issued for any motor vehicle registered or principally garaged in Illinoismust provide coverage for bodily injury or death caused by an uninsured or hit-and-run vehicle.' "Norris v. National Union Fire Ins. Co. of Pittsburgh, PA, 326 Ill. App. 3d 314, 321 (2001),quoting Luechtefeld v. Allstate Insurance Co., 167 Ill. 2d 148, 152 (1995). American itself statesthat the policy at bar, including the endorsement, constitutes a liability policy; therefore, we findno reason why the Norris holding is not applicable to the case at bar. Furthermore, we note thatAmerican neither cites to Norris in its briefs nor offers any case law refuting Norris.

Additionally, a review of section 143a-2(1) shows that the statutory language clearlyrequires that uninsured motorist coverage be offered in connection with any motor vehicle policy"insuring against loss resulting from liability imposed by law for bodily injury or death sufferedby any person arising out of the ownership, maintenance or use of a motor vehicles." 215 ILCS5/143a-2(1) (West 1992). The key words in this provision are "any person." See also 215 ILCS143a(4) (West 1992). This provision does not discriminate between the insured and the injuredthird party. Section 143a-2(1) applies to any policy insuring against loss, whether it be theinsured's loss or the third party's loss, resulting from liability imposed by law. While Americanoffers a very creative argument, we find it implausible that the legislature intended that the optionto purchase uninsured motor coverage only apply to a narrow class of motor vehicle policies.

In sum, the endorsement sold to plaintiff provided auto liability coverage, and, therefore,American was required to offer plaintiff uninsured and underinsured motorist coverage in anamount equal to the insured's bodily injury liability limits. Holland v. State Farm MutualAutomobile Insurance Co., 216 Ill. App. 3d 463, 465 (1991); 215 ILCS 5/143a-2(1) (West 1992). It is undisputed that American failed to take any steps to offer plaintiff uninsured motoristcoverage as required by statute. Therefore, statutory law and case law require that thecommercial general liability policy at issue be reformed to contain uninsured motorist coverage.

For the foregoing reasons, we hold that the trial court properly granted judgment in favorof the plaintiff on counts I and II of the second amended complaint. Consequently, we affirmthe trial court's order of March 6, 2001, granting plaintiff's motion to reconsider, and the trialcourt's order of June 20, 2001, denying American's motion to reconsider.

Affirmed.

CAMPBELL, P.J., concurs

QUINN, J., dissents.

JUSTICE QUINN dissenting.

I respectfully dissent. I do not agree that the endorsement at issue modified the commercial general liability policy in such a manner that Section 143a-2 requires it to be reformed to containuninsured motorist coverage.

The endorsement is titled "HIRED AUTO AND NON-OWNED AUTO LIABILITY." Inpertinent part, it provides "HIRED AUTO LIABILITY - The insurance provided under Coverage A(Section 1) applies to 'bodily injury' or 'property damage' arising out of the maintenance or use ofa 'hired auto' by you or your employees in the course of your business."

"NON-OWNED AUTO LIABILITY - The insurance provided under Coverage A (Section1) applies to 'bodily injury' or 'property damage' or 'property damage' arising out of the use of any'non-owned auto' in your business by any person other than you."

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" 'Hired auto' means any 'auto' you lease, hire or borrow."

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" 'Non-owned auto' means any 'auto' you do not own, lease, hire or borrow which are used inconnection with your business."

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"All other terms, agreements, conditions, and provisions remain unchanged."

The policy itself provides:

"SECTION 1 - COVERAGES

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COVERAGE C. MEDICAL PAYMENTS

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2. Exclusions

We will not pay expenses for 'bodily injury':

a. To any insured."

The unambiguous language of the endorsement provides that the insurance provided underCoverage A (Section 1) only applies to bodily injury arising out of (1) the maintenance or use of anauto leased, hired or borrowed by Harrington or his employees in the course of Harrington's business;(2) the use of any "non-owned auto" used in Harrington's business by someone other thanHarrington.

It is uncontroverted that Harrington's bodily injuries were suffered when he was riding on abicycle. Of course, a bicycle is neither a "hired auto" nor a "non-owned auto." It is alsouncontroverted that the vehicle which struck Harrington was not being used in Harrington's business. Consequently, even if we were to reform the commercial general liability policy to include uninsuredmotorist coverage for those autos specified in the endorsement, Harrington could not recover.

I think it is also important to note that our supreme court has stated that Section 143a doesnot place "any restriction on the right of the parties to an insurance contract to agree on whichpersons are to be the 'insureds' under an automobile insurance policy." Heritage Insurance Co. ofAmerica v. Phelan, 59 Ill. 2d 389, 395 (1974); followed by Cohs v. Western States Insurance Co.,No. 1-00-2548, May 7, 2002, slip op. at 6. (2002 WL 884788).

As the bodily injury suffered by plaintiff did not arise out of the use of a "hired auto" or a"non-owned auto" in the course of Harrington's business, the trial court should have grantedjudgment in favor of the defendant on counts I and II of the second amended complaint. Becauseof this, I believe that it is unnecessary for this court to decide the issue of whether Section 143a-2applies to commercial general liability insurance policies which contain endorsements providingcoverage for autos under certain conditions. I think this case is an excellent example of whyadvisory opinions are to be avoided. See Barth v. Reagan, 139 Ill. 2d 399, 419 (1990).