Granger v. Auto-Owners Ins. (Slip Opinion)

{¶ 1} In this case, we address whether an umbrella insurance policy’s intentional-acts exclusion — through application of the inferred-intent doctrine — obviates the insurer’s duty to defend an insured against claims based on alleged acts of pre-leasing housing discrimination that result in alleged emotional distress. We hold that the particular umbrella policy at issue arguably provides coverage for emotional-distress damages through its coverage for humiliation. We further hold that emotional-distress damages are not inherent in a claim for discrimination and that the inferred-intent…