This is an appeal concerning an insurer's duty to defend.
The appellant, found not criminally responsible for an assault due to a psychotic episode, sought coverage under his homeowner's policy.
The insurer denied coverage based on an exclusion for bodily harm arising from intentional or criminal acts.
The application judge found the negligence claim derivative of an intentional tort and that the exclusion applied.
The Court of Appeal upheld this decision, finding no error in the application judge's conclusion that the true nature of the claim was an intentional act, despite the appellant's mental state, thus affirming the applicability of the exclusion clause.