Safeco Insurance Co. v. Howard

CRIST, Judge.

This is a declaratory judgment action regarding coverage of a homeowner’s policy issued by Safeco. The trial court found respondent Janet Howard, whose son sexually abused children she was baby-sitting, was covered. We reverse.

Janet Howard ran a baby-sitting service for ten years until May, 1987. She operated out of her home and earned approximately $400 per week at the time it was discontinued. She supervised about six children two months to six years old.

All of the Howard children were considerably older than the ones she watched. Mrs. Howard’s oldest son was born on March 18,…