Zanco, Inc. v. Michigan Mutual Insurance

In its first proposition of law, Zanco argues that an insurer owes a duty to defend its insured if the pleading against the insured contains allegations which are vague, ambiguous, nebulous or incomplete such that a potential for coverage exists. This rule has recently been adopted in Ohio. In Willoughby Hills v. Cincinnati Ins. Co. (1984), 9 Ohio St. 3d 177, this court held that “[w]here the insurer’s duty to defend is not apparent from the pleadings in the action against the insured, but the allegations do state a claim which is potentially or arguably within the policy coverage, or there…