Douglas Grovenburg v. Homestead Ins. Co.

BOWMAN, Circuit Judge.

Homestead Insurance Company appeals from the order of the District Court granting summary judgment to Kathy and Douglas Grovenburg and the Minor Unnamed Children. The District Court ruled that Homestead had a duty, under a daycare policy, to defend Kathy Grovenburg in state-court actions brought, or to be brought, against her by the Minor Children. We reverse.

Homestead insured Kathy Grovenburg under a Family Child Care Provider’s Group Liability Policy for the day-care facility she operated at her home in Brandon, South Dakota. In September 1996, two negligence actions…