Opinion ID: 2270615
Heading Depth: 2
Heading Rank: 4

Heading: The District's Policy

Text: The Policy in this case provides two separate types of coverage. The coverage language reads: INSURING AGREEMENT 1. COVERAGE A: Occurrence CoverageBodily InjuryProperty DamagePersonal Injury. We will pay on behalf of a Covered Party all Damages up to the Limit of Liability as a result of an Occurrence in the Covered Territory. 2. COVERAGE B: Claims-made CoverageSchool Board Legal Liability/Wrongful Acts. We will pay on behalf of a Covered Party all Damages up to the Limit of Liability as a result of a Wrongful Act after the Date of First Coverage to which this Coverage Agreement applies and for which a Claim is first made against the Covered Party in the Coverage Territory during the Coverage Period and reported to us as soon as reasonably practicable but not later than 60 days after the end of the Coverage Period.
The relevant portions of the Definitions section of the policy read as follows: DEFINITIONS 5. This Coverage Agreement is subject to the following definitions: . . . Bodily Injury means physical injury, sickness, disease, disability or death sustained by a person and includes any resulting mental injury, emotional distress or shock. . . . Damages means money compensation that a Covered Party becomes legally obligated to pay to an injured party under Coverage A for Bodily Injury, Property Damage or Personal Injury. . . . Covered Organization means: a. the Member School District; . . . Covered Party means, whether in the singular or plural, the Covered Organizations and the Covered Persons or any of them. Covered Persons means: . . . b. at the option of the Member School District, and except as otherwise provided in this definition, any employee . . . while acting at the direction or performing services for or on behalf of the Member School District with its knowledge and consent. . . . Occurrence means an accident during the Coverage Period, an event that first occurs during the Coverage Period, or continuous, intermittent or repeated exposure to conditions that commence during the Coverage Period that causes Bodily Injury, Personal Injury or Property Damage neither expected nor intended by the Covered Party. . . . For the purpose of this Policy: Bodily Injury or Property Damage that results from an act that is intended by the Covered Party . . . to cause Bodily Injury, Personal Injury or Property Damage . . . is not injury or damage neither expected nor intended. . . . Humiliation, defamation or other Personal Injury that is continuous or repeated shall be considered a single Occurrence. . . . Incidents of sexual assault, sexual or physical abuse or Sexual Molestation against more than one victim, regardless of the number of incidents, perpetrators or injuries . . . shall be treated as a single Occurrence. . . . Personal Injury means injury unintended by the Insured that a person may suffer to his reputation, character or feelings resulting from . . . humiliation.
The relevant portions of the Exclusions section of the policy read as follows: EXCLUSIONS 19. This Coverage Agreement does not apply and we are not liable for: n. liability of an Insured who knowingly committed an unlawful act; or who committed sexual assault, sexual abuse or Sexual Molestation; or who intentionally caused damage, harm or injury; to any claim arising out of any sexual assault, sexual or physical abuse or sexual molestation, involving the same individual or individuals, which initially occurred after knowledge of any actual or alleged wrongful act by said individual(s) is received by the Member School District.