Mount Vernon Fire Insurance v. Heaven's Little Hands Day Care

In this declaratory judgment action, Mount Vernon Fire Insurance Company (Mount Vernon) appeals the order of the trial court granting the motion for judgment on the pleadings filed by Jefferson Insurance Company of New York (Jefferson). This litigation stems from the death of Tyrelle Jones (Tyrelle), a nine-month-old infant who died as the result of heatstroke when left unattended in a van operated by Heaven’s Little Hands Day Care (Heaven’s Little Hands). In reliance upon exclusions contained in its policy with Heaven’s Little Hands, Mount Vernon sought a declaration that it had no duty to…