Universal Underwriters Ins. Co. v. Youngblood

Universal Underwriters Insurance Company appeals from a judgment declaring that it is obligated under an insurance policy to defend ten actions filed against its insureds, Youngblood-Perry Lincoln Mercury, Inc., and Franklin Perry. Ten employees of Youngblood-Perry brought those actions, which include counts for breach of contract, negligence, misrepresentation, and suppression of material facts. Universal contends that no duty to defend exists both because the operative facts do not constitute an "occurrence" within the meaning of the policy and because several exclusions apply.

In their…