A Pennsylvania husband and wife are not covered by their homeowners or personal umbrella insurance policies for claims they inflicted emotional distress by hiding the gun their son used to kill a friend and thus delaying discovery of the victim’s body.
A federal appeals court has upheld the dismissal of coverage claims brought by Kimberley and Howard Rosenberg against Chubb Indemnity Insurance Co. and Hudson Insurance Co.
The courts agreed that coverage was not triggered because the parents’ behavior was not an accident and also because criminal acts are not covered by insurance.
After their