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[QUOTE="orangecuse, post: 2596857, member: 668"]
The duty to defend is broader than the duty to indemnify.  A Commercial General Liability Policy will exclude "intentional acts," which his deviant behavior certainly was.  However, CGL policies will pay for "resultant damages." Example:  You get punched in the face from a tortfeasor for checking out his girl more to his liking.  ;):)  As a result, you have facial damages, fall to ground and break your wrist.  The facial damages most likely aren't covered because the result of your facial damages were probably deemed foreseeable due from the intentional act.  However, an argument can be made that you falling back, bracing yourself from the fall and sustaining the wrist fracture, likely wasn't necessarily foreseeable.  So, coverage would apply to the wrist for your open reduction, internal fixation surgery.  ;):)

Professional Liability policies (Malpractice, etc.) cover your negligent/defective "work product," but not liability stemming from a criminal act.
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