Bodily Injury to an Insured

Our insured's daughter had her ears pierced, and an infection ensued. She had to have surgery and reconstruction of part of her ear. The infection was traced back to water-borne bacteria at the piercing service's premises, as well as to unsanitary equipment. The insured sued the piercing service.

But now the service has counter-claimed against our insured, alleging that the daughter was responsible for her own infection. The service says if they have to pay any damages they should be entitled to recover that amount from our insured.

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