The third-party insurer, United States Liability Insurance Company, brought a summary judgment motion to determine its duty to defend its insureds, Harold Douglas Eakins and Jack-O’s Sports Bar, in a personal injury claim.
The plaintiff alleged over-serving of alcohol, a fall from a barstool, and a subsequent forcible removal and assault by the proprietor.
The insurer relied on broad assault and battery exclusion clauses in its commercial general liability and liquor liability policies, which explicitly included negligence in their definitions of assault and battery.
The court found that the plaintiff's pleadings, even as amended, could not be severed from the factual matrix involving assault or battery as broadly defined in the policy.
Consequently, the court granted summary judgment, dismissing the third-party claim against the insurer, finding no duty to defend.