Fireman's Fund Insurance Co. v. Hill

TODD, Justice.

The Fireman’s Fund Insurance Company brought a declaratory judgment action to determine whether certain sexual activities engaged in by its insured, James Hill, were covered under a homeowner’s policy which excludes “bodily injury or property damage which is either expected or intended from the standpoint of the insured.” The trial court found that Fireman’s Fund was obligated to defend James Hill in the civil action brought on behalf of the foster child and to pay all damages for which Hill might become liable. The insurance company appealed. We reverse.

James Hill and his wife…