Vermont Mutual Insurance v. Maguire

LIPEZ, Circuit Judge.

Boris Maguire (“Maguire”) and his parents, Desmond and Josephine Maguire (collectively, “the Maguires”), challenge the district court’s determination that Vermont Mutual Insurance Company had no duty to defend a claim made against them by a young man whom Maguire had injured during a bar fight. The district court concluded that the Maguires’ homeowners’ insurance policy did not require Vermont Mutual to provide a defense until a lawsuit had been filed, and thus the duty to defend had not been triggered. The court also held, in the alternative, that Vermont Mutual did not…