Spencer v. Hartford Cas.

Introduction

Mary Spencer and thirteen of her classmates (collectively "Appellants") in the Applied Sciences of Practical Nursing Program at Saint Louis College of Health Careers ("SLCHC") sued SLCHC under the Missouri Merchandising Practices Act (the "MMPA"), Section 407.020,1 alleging unfair and deceptive practices in its representation of the program. SLCHC demanded coverage from its insurer Hartford Casualty Insurance ("Hartford") under its one-year Business Liability policy (the "Policy"). Hartford denied coverage and denied defense to SLCHC. A bench trial ensued and judgment was entered…