Acadia Insurance Company v. Hinds County School Di

I agree with the majority that the Ace American Policy covers only employment-related claims and join in Parts I — III and V of the opinion. Because the Cowards’ Amended Complaint does not allege an “occurrence” triggering a duty to defend under the Acadia Policy, I dissent from the majority’s holding in Part IV that Acadia owes such a duty to HCSD.

I

As the majority opinion correctly states, an occurrence is triggered only by accidental conduct. U.S. Fid. & Guar. Co. v. Omnibank, 812 So.2d 196, 201 (Miss.2002). The majority finds the requisite allegation of accidental conduct in the Amended…