Cambridge Mutual Fire Insurance v. Kiely

Fremont-Smith, Thayer, J.

This case concerns whether insurance coverage was provided by Cambridge Mutual Fire Insurance Company (“Cambridge Mutual”) under a homeowners policy issued to Louis and Mary Gonda for injuries suffered by a Somerville police officer, Michael Kiely, as a result of the alleged negligence of the Gondas’ son-in-law, Phillip Pare, during a 2004 fire in the Somerville home of the Gondas. In a consolidated case1 Kiely has sued Pare for his injuries.

In this case, Cambridge Mutual seeks a declaration that there is no policy coverage because Pare was not an “insured” under the…