$100,000
Insurance Denial
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Case Details
Insurer denied coverage for a suit against Mr. Morrison for negligently injuring a police officer, citing a 'Criminal Acts' exclusion. A $100,000 judgment was entered against Mr. Morrison. The SJC ruled that while the exclusion applied, the insurer breached its duty to defend, making them liable for the judgment.
Additional Notes
Supreme Judicial Court (460 Mass. 352 (2011)) ruled insurer breached its duty to defend, requiring payment of $100,000 judgment despite 'Criminal Acts' exclusion applying. This case sets boundaries for homeowner's insurers' obligations.