In September 1985, Cody Susnik and his brother began regularly attending a day care run out of Loretta Donnelly's home.

While in Donnelly's care, Cody suffered serious injuries when another child apparently attempted to jump on him. Cody's parents sued Donnelly, claiming that she was negligent in leaving the children unsupervised.

Donnelly turned to her homeowner's insurance for coverage. Not surprisingly, the insurer argued that the incident occurred during a "business-pursuit," and, thus, was excluded by the homeowner's policy.

Want to continue reading?
Become a Free PropertyCasualty360 Digital Reader

Your access to unlimited PropertyCasualty360 content isn’t changing.
Once you are an ALM digital member, you’ll receive:

  • Breaking insurance news and analysis, on-site and via our newsletters and custom alerts
  • Weekly Insurance Speak podcast featuring exclusive interviews with industry leaders
  • Educational webcasts, white papers, and ebooks from industry thought leaders
  • Critical converage of the employee benefits and financial advisory markets on our other ALM sites, BenefitsPRO and ThinkAdvisor
NOT FOR REPRINT

© 2024 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.

Commercial Lines
Commercial Lines
Coverage & Policy Issues
Litigation
Loss Control
Personal Lines
Sales & Marketing