Vermont Mutual Insurance v. Singleton Ex Rel. Singleton

Toal, Justice:

This appeal arises from the special referee’s order of insurance coverage in a declaratory judgment action. We affirm.

FACTS

The insurance policy being construed is a voluntary homeowners policy which contains coverage for “bodily injury . . . caused by activities of the insured” but contains an exclusion for “bodily injury ... which is expected or intended by the insured.” This is commonly referred to as the “intentional act exclusion.” The Appellant, Vermont Mutual Insurance Co. (hereinafter Vermont), brought this declaratory judgment action on September 21, 1990, to determine…