{"id":7201,"date":"2016-05-13T06:11:05","date_gmt":"2016-05-13T06:11:05","guid":{"rendered":"https:\/\/landauinjurylaw.com\/theathleteslawyer\/?p=7201"},"modified":"2016-03-17T21:18:38","modified_gmt":"2016-03-17T21:18:38","slug":"karate-studios-insurance-policy-may-cover-negligent-retention-claim","status":"publish","type":"post","link":"https:\/\/landauinjurylaw.com\/theathleteslawyer\/2016\/05\/13\/karate-studios-insurance-policy-may-cover-negligent-retention-claim\/","title":{"rendered":"Karate Studio\u2019s Insurance Policy May Cover Negligent Retention Claim"},"content":{"rendered":"

In a lawsuit filed by a minor against a karate studio alleging the minor was sexually molested by a studio employee during a summer camp, the studio\u2019s insurance policy would not cover claims for battery, but could cover claims that the employer was negligent for retaining the employee after learning of an earlier sexual assault and for failing to report the earlier assault to authorities, a Roanoke U.S. District Court rules.<\/p>\n

In a case reported in the Virginia lawyers Weekly<\/a>, the court concluded that coverage exists for the negligence claims<\/strong>. The insurance carrier tried to avoid coverage by asserting that under the reasoning in AES Corp. v. Steadfast Ins. Co., 283 Va. 609 (2012), plaintiffs\u2019 allegations that the sexual assault perpetrated against their daughter resulted from negligence of one sort or another by defendants does not transform the allegedly willful attack into an \u201coccurrence.\u201d<\/p>\n

But the holding in AES does not squarely fit the allegations in this case.<\/p>\n

The conduct alleged is negligent retention and negligent failure to report.<\/p>\n

In S.F. v. West American Ins. Co., 250 Va. 461 (1995), the Supreme Court of Virginia found the term \u201coccurrence\u201d to be ambiguous, reasoning that an occurrence could be deemed as any one of the following: the insureds\u2019 negligent hiring of an apartment complex manager, or the insureds\u2019 negligent retention of the manager.<\/p>\n

Applied to the allegations in this case, such reasoning required the court to conclude that the negligent retention and negligent failure to report constituted \u201coccurrences\u201d under the policy. Further, the allegations of forcible sexual abuse resulting in psychological harm, including physical cutting, fall within the policy definition of \u201cbodily injury.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"

In a lawsuit filed by a minor against a karate studio alleging the minor was sexually molested by a studio employee during a summer camp, the studio\u2019s insurance policy would not cover claims for battery, but could cover claims that the employer was negligent for retaining the employee after learning of an earlier sexual assault…<\/p>\n

Continue reading →<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2],"tags":[7103,7101,7104,7102],"class_list":["post-7201","post","type-post","status-publish","format-standard","hentry","category-cases","tag-karate-injury-insurance-converage","tag-karate-studio-injury","tag-martial-arts-lawsuit","tag-martial-arts-negligence-case"],"acf":[],"yoast_head":"\nKarate Studio\u2019s Insurance Policy May Cover Negligent Retention Claim - Sports Injury Law<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/landauinjurylaw.com\/theathleteslawyer\/2016\/05\/13\/karate-studios-insurance-policy-may-cover-negligent-retention-claim\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Karate Studio\u2019s Insurance Policy May Cover Negligent Retention Claim - 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