Metro. Prop. & Cas. Ins. Co. v. Estate of BensonAnnotate this Case
William Googins committed an intentional assault of Eric Benson, which resulted in Benson’s death. Benson’s estate sued Googins in tort. Googins consented to a judgment in favor of the Estate and assigned to the Estate all rights he may have had against Metropolitan Property and Casualty Insurance Company, whose potential liability stemmed from a homeowner’s policy it issued to Goggins’s grandmother that was active at the time of the assault. Pursuant to the agreement, the superior court entered a judgment against Googins, after which the Estate filed a reach-and-apply action against Metropolitan. Metropolitan filed a complaint for declaratory judgment seeking a determination as to its obligation to indemnify Googins. The superior court granted summary judgment in favor of Metropolitan, declaring that it had no contractual obligation to indemnify Googins. Specifically, the court found that the claim was precluded by an intentional loss exclusion because Googins intentionally assaulted Benson. The Supreme Judicial Court affirmed, holding that the superior court did not err in determining that Googins’s conduct was within the scope of the intentional loss exclusion.