An appellate court in Connecticut, reversing a trial court's decision, has ruled that the "business pursuits" exclusion in a personal umbrella insurance policy barred coverage for claims asserted by an employee for injuries suffered as a result of an intruder's attack in the insured's home office.

The case

Sara Socci was an employee of Pasiak Construction Services LLC, and worked out of an office located on the second floor of Jeffrey S. Pasiak's home. One day while she was working alone at the office, a masked intruder entered the office carrying a gun and demanded that she open the safe. Unaware that a safe even existed in the home, she couldn't provide the intruder with the safe's combination. The intruder led her into a bedroom, where he tied her hands, gagged her, and blindfolded her. At one point, he pointed a gun at her head and threatened to kill her family if she didn't give him the combination.  

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