State Farm Fire & Casualty Co. v. Bauman

Andrews, Judge.

Steve and Alisa Bauman’s seven-year-old child suffered serious injuries in a bicycle accident while Lori Van de Veire was providing paid child care for the child at Van de Veire’s home. Van de Veire was an insured under a homeowner’s insurance policy issued to her husband by State Farm Fire and Casualty Company. On behalf of their child, the Baumans sued Van de Veire for negligent child care. State Farm initially provided a defense under a reservation of rights, but then withdrew the defense and informed Van de Veire that the policy excluded coverage for injuries to the child…