Hain v. Allstate Ins. Co., A96A0646
| Decision Date | 15 April 1996 |
| Docket Number | No. A96A0646,A96A0646 |
| Parties | HAIN et al. v. ALLSTATE INSURANCE COMPANY. |
| Court | Georgia Court of Appeals |
Andersen, Davidson & Tate, Thomas T. Tate, Lawrenceville, Matthew B. Merrill, for appellants.
Alston & Bird, Natalie J. Davis, Atlanta, Sutherland, Asbill & Brennan, Steven L. Polk, Atlanta, for appellee.
John B. Hain, First Realty Mortgage Corporation, and Kimberly Abbott appeal the trial court's order granting summary judgment to Hain's insurer, Allstate Insurance Company (Allstate), in the underlying declaratory judgment action involving Allstate's obligations under its homeowner insurance policies and a personal umbrella policy. Specifically, the appellants argue that the trial court erred in determining that Allstate was not obligated to insure Hain against charges of assault and battery and intentional infliction of emotional distress stemming from a pattern of sexual harassment which Abbott alleged occurred while she was Hain's employee. Abbott alleges that the wrongful conduct was not restricted to the office environment, but also occurred at places away from work such as at her home and various restaurants.
It is undisputed that the homeowner policies at issue grant coverage only to claims of bodily injury arising from an accident, and specifically exclude acts intended to cause bodily injury in any degree and wilful acts which are a crime pursuant to our criminal code. Additionally, the personal umbrella policy specifically excludes coverage for acts intended to cause bodily injury, including mental anguish.
Pretermitting the issue of whether Abbott suffered a bodily injury as defined under any or all of the policies in question, Hain contends that his policies with Allstate provide coverage on the assault and battery and intentional infliction of emotional distress charges because Abbott does not necessarily have to establish that Hain intended to cause her harm in order to prevail. In such a case, Hain argues, any resulting harm could be deemed merely accidental. Abbott's amended complaint, however, expressly states that "[Hain] acted with the specific intent to cause [her] harm." In addition, in her amended complaint, Abbott alleges that acts forming the basis of her assault and battery and intentional infliction of emotional distress claims--which included unwelcomed sexual advances such as hugging,...
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