The applicant sought a declaration that his homeowner's insurer had a duty to defend and indemnify him in an underlying action arising from an incident at a summer camp.
The underlying claim alleged that the applicant pulled the plaintiff's head back, kneed him, and punched him, pleading both negligence and assault and battery.
The insurer denied coverage based on an intentional acts exclusion.
The court dismissed the application, finding the duty to indemnify was premature and the duty to defend was not triggered because the negligence claim was entirely derivative of the intentional tort of battery, which fell squarely within the policy's exclusion clause.