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VERMONT MUT. INS. CO. v. SINGLETON

No. 24105.

446 S.E.2d 417 (1994)

VERMONT MUTUAL INSURANCE COMPANY, Appellant, v. Benjamin SINGLETON, a minor under the age of eighteen (18) years old By and Through his Guardian ad Litem, Isaac Singleton; Stephen Webb, a minor under the age of eighteen (18) years old by and through his Guardian ad Litem, Carol M. Webb; and James E. Webb, III, Respondents.

Supreme Court of South Carolina.

Decided June 20, 1994.

Attorney(s) appearing for the Case

Stephen P. Groves and John Hamilton Smith, both of Young, Clement, Rivers & Tisdale, Charleston, for appellant.

Renee C. Newman and Mark C. Tanenbaum, Charleston, for respondents Benjamin Singleton and Isaac Singleton.

P. Michael Duffy and Karen C. Jackson, both of McNair & Sanford, P.A., Charleston, for respondent James E. Webb, III.

TOAL, Justice:

This appeal arises from the special referee's order of insurance coverage in a declaratory judgment action. We affirm.

FACTS

The insurance policy being construed is a voluntary homeowners policy which contains coverage for "bodily injury ... caused by activities of the insured" but contains an exclusion for "bodily injury ... which is expected or intended by the insured." This is commonly...

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