Opinion ID: 2010567
Heading Depth: 1
Heading Rank: 2

Heading: The Commercial General Policy

Text: ¶ The commercial general policy contains several provisions applicable here. It covers bodily injury caused by an event, defined as an accident, including continuous or repeated exposure to substantially the same general harmful conditions. The policy specifically excludes coverage for bodily injury or property damage ... expected or intended by any protected person. More particularly, the policy does not insure Clinic employees, including Engelmann, for bodily injury or personal injury that results from sexual abuse committed by that person.... In the policy, sexual abuse means any physical, mental or moral harassment or assault of a sexual nature against any person. Finally, the policy carries a professional services exclusion. [1] Under related circumstances, the Louisiana Supreme Court ruled that a comprehensive business liability insurance policy excluding personal injury arising out of professional services furnished no coverage for medical malpractice. McCarthy v. Berman, 668 So.2d 721, 725 (La.1996). Likewise, we conclude that St. Paul's commercial general liability policy provides no coverage for personal injuries from sexual assaults or from rendering or failing to render professional services. Hence, medical malpractice, in any form, is not a covered occurrence. St. Paul is under no duty to defend or indemnify Engelmann and the Clinic under this policy.