Can Inferred Intent Cause Insurance Company to Refuse Coverage Under Intentional Act Exclusion in Umbrella Policy?
Auto-Owners Insurance, et al. v. Steve Granger, et al., Case no. 2013-1527
Ninth District Court of Appeals (Summit County)
Is discriminatory intent inferred as a matter of law under an intentional act exclusion within an umbrella insurance policy?
Does a claim for emotional distress comprising "humiliation" sufficiently trigger a duty for an insurance company to defend under an umbrella insurance policy? Or is the duty to defend only triggered by actual facts, rather than an inference of potential recoverable damages (even when no covered conduct is alleged)?