Opinion ID: 76012
Heading Depth: 2
Heading Rank: 2

Heading: EMCC's Insurance Policies and Declaratory Judgment Action

Text: 8 EMCC issued a commercial general liability policy (CGL), as well as a linebacker policy, to the City of Attalla. 2 Shrader and Livingston conceded that neither of the CGL policies provide coverage for their claims and stipulated that their claims for coverage are limited to the linebacker policies. 9 On April 27, 2001, EMCC filed a declaratory judgment action in the district court seeking a declaration that the linebacker policy did not cover Shrader's and Livingston's claims against Mallard and Gilliland. On January 11, 2002, the district court granted summary judgment in favor of EMCC, holding that the linebacker policy was unambiguous and did not provide coverage to Mallard and Gilliland for their sexual abuse of Shrader and Livingston. The district court concluded that Mallard and Gilliland's conduct was outside the scope of their duties in conducting the business of the City of Attalla, and, therefore, not covered by the linebacker policy. Shrader and Livingston timely appealed.