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SAFECO INS. CO. v. HOWARD

No. 56215.

782 S.W.2d 658 (1989)

SAFECO INSURANCE COMPANY, Appellant, v. Janet A. HOWARD, et al., Respondents.

Missouri Court of Appeals, Eastern District, Division One.

Motion for Rehearing and/or Transfer Denied December 12, 1989.

Application to Transfer Denied February 13, 1990.

Attorney(s) appearing for the Case

William F. James, St. Louis, for appellant.

Janet Howard, St. Louis, pro se.

Richard A. Barry, St. Louis, for Mahn.

Motion for Rehearing and/or Transfer to Supreme Court Denied December 12, 1989.

CRIST, Judge.

This is a declaratory judgment action regarding coverage of a homeowner's policy issued by Safeco. The trial court found respondent Janet Howard, whose son sexually abused children she was baby-sitting, was covered. We reverse.

Janet Howard ran a baby-sitting service for ten years until May, 1987. She operated out of her home and earned approximately $400...

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