The court debated whether an underlying suit based on environmental harms committed by a commercial property owner could be considered an "occurrence" that triggered the duties of defense and indemnity.
The home insurance policy contains exclusions for 'criminal acts' and 'sexual molestation,' even if the insured is charged with or found guilty of a crime.
The justices were guided by a 2020 decision related to an identical policy where the court found the term "physical abuse" as used in the exclusion was ambiguous.