Contributory Coverage for
Bodily Injury to an Insured?

Our insured has a standard homeowners policy. Last fall he and his daughter, age six, were in a department store when the daughter wandered off and was injured on the store escalator. Our insured sued the store and the escalator manufacturer.

He has been sued in turn by the store and manufacturer for negligent supervision of his daughter. We turned the claim in to the insurer, but it was denied because of the exclusion for bodily injury to an insured.

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