St. Paul Fire & Marine Insurance v. Schrum

WOLLMAN, Circuit Judge.

Susan and Steve Zotta, and J.L.Z. and S.J.Z., minors, by and through Susan Zotta, (Zottas) appeal from the district court’s grant of summary judgment in favor of St. Paul Fire and Marine Insurance Company (St. Paul). We reverse and remand.

I

In March of 1996, the Zottas filed a petition in Missouri circuit court against William and Rebecca Schrum. The petition alleged that in 1993, Richard Lee Baekes, who resided with the Schrums, sexually abused the Zottas’ two minor children while they were in the Schrum home. The Zottas claimed that the Schrums negligently supervised…