ÿWPC …#†VUNÜ %* 0(04Xl 0J{ 0TÅ 0^ 0hw 0rß 0|Q 0†Í 0S 1uã U,X 0d„ U,è U> U*R B)| DC¥ AMè 5v~QvÓÏ B¢ D3¿ 0@ò AO2Æ 0DG 0D‹ D/Ï Bþ˜HP LaserJet 4Si/4SiMX PS 600dpiPSCRIPTÀÌÀääÀÀÌ0ÙP ï?® _0·^#·`# (ÖÃ9 Z ‹6Times New Roman RegularX($¡¡˜€* tember3|xq2 ÿÿ0Indent1Ô2ÔÔ3  Ô2" ÿÿ0Indent2à0 àÔ2ÔÔ3  Ô2, ÿÿ0Indent3à0 àà0 àÔ2ÔÔ3  Ô26 ÿÿ0Indent4à0 àà0 àà0 àÔ2ÔÔ3  Ô2@ ÿÿ0Indent5à0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2J ÿÿ0Indent6à0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2T ÿÿ0Indent7à0 àà0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2^ ÿÿ0Indent8à0 àà0 àà0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô  ÿÿ?AGMSYaioIndent0I.A.1.a.(1)(a)i)a)< Œ 9p`(ModernP ÿÿ8Mac DefaultMac DefaultÓ ` °šXÓ< Œ 9p`(Monaco< Œ 9p`(&Times New Roman< Œ 9p`(Arial% Line 7 d7Border 1dd€- Cþÿ << Gÿÿ Ý ƒ!ÝÔ€ÔÔ€ÔÝ  ÝÝ ƒ"ÝÝ  ÝÔ€ÔÔ€ÔÓ  ÓÔ YYY ÔFILEDÔ€XÔÌÌò òFebruary€21,€1996ÌÌCecil€Crowson,€Jr.ÌÔ€ôÔAppellate€Court€Clerkó óPtPtHHÚ(ÿáÿâùFG(üHHÚ(d'@Styl{WP}01•ÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃà Ãà Ãà Ãà Ãà ÃÃÃÃÃÃÃÃÃÃÃÐ ÐÐHHÐÐ  ÐÐ2ÐÐÿÿ¸æ$ÿÐÐHHÐÐÐÐÐÐÐÐ  ÐÐ ÐÐ ÐÑÑÑGenevaÑÑ ÑÑ € ÑÑ<Px–ÈÑÒÒÒ443!#4ÒÒ$ *$ÒÒ$*$ÒÒ ÿKK ÒÒ  Geneva ÒÒ  Geneva ÒÓ.,ÓÓÓÓ6ÓÓ ÓßßßßßßßßßßßßßßßßßßÑMonacoÑÑ ÑÒ  BA: T Monaco ÒÒ  BA: T Monaco Ò d%%%%'ÿÿdxd("ÿÿ$££Ò  ÒÒ  Ò€-‚ƒCþÿ<< CÿÿƒLevel 1Level 2Level 3Level 4Level 5(3¯$¢¢Ý ƒ!ÝÝ  Ý($$””ò òÚ  Ú1Ú  Úó ó„„'÷ÿ dxdüÿP PdÝ ƒ!ÝÔ . ÔÔ€ÔÓ&€X„d&ÓÑ#€Xd#ÑÔ€ÔÝ  ÝÓ  ÓÔ€ÔÑ\R AØ'\ÑÑ7€æaXXdìdÈ7Ñà@ àò òIN€THE€COURT€OF€APPEALS€OF€TENNESSEEÌà@ àWESTERN€SECTION€AT€JACKSONÌÌÌI.€APPEL€CORPORATIONà àà à)Ìand€SCOTTS€HILL€LEISUREWEAR,à à)ÌINC.,à àà àà àà àà àà à)Ìà àà àà àà àà àà à)Ìà àà àó óPlaintiffs/Appellants,à àò ò)€€Chester€Circuit€No.€4050Ìà àà àà àà àà àà à)ÌVS.à àà àà àà àà àà à)€€Appeal€No.€02A01„9410„CV„00239ÌÙ€€ÙßL€!" ;+'h|k/` Å `€€Lßà àà àà àà àà àà à)ÌST.€PAUL€FIRE€&€MARINEà àà à)ÌINSURANCE€COMPANY,€INC.,à àà à)Ìà àà àà àà àà àà à)Ìà àà àó óDefendant/Appellee.à àò ò)ó óÌÌÌà@ àAPPEAL€FROM€THE€CIRCUIT€COURTÏOF€CHESTER€COUNTYÌà@ àAT€HENDERSON,€TENNESSEEÌà@ àTHE€HONORABLE€WHIT€LAFON,€JUDGEÌÌÌÌÌÌÌò òSAM€L.€CRAIN,€JR.ÌBURCH,€PORTER€&€JOHNSONÌó óMemphis,€Tennesseeò òÌó óAttorney€for€Appellant,€I.€Appel€CorporationÌÌÌò òWILLIAM€B.€JAKES,€IIIÌHOWELL€&€FISHERÌó óNashville,€TennesseeÌAttorney€for€Defendant„AppelleeÌÌÌÌÌÌÌÌò òAFFIRMEDÌÌÌó óà àà àà àà àà àà àà àà àà àò òALAN€E.€HIGHERS,€J.ÌÌÌÌCONCUR:ÌÌW.€FRANK€CRAWFORD,€P.J.,€W.S.ÌÌDAVID€R.€FARMER,€J.ÌÌÌÌÓÓó óà àThis€appeal€arises€from€the€trial€court's€grant€of€summary€judgment€in€favor€ofÏthe€Ñ7€æaXXdìXXdì7Ñdefendant€insurance€company,€holding€that€defendant€had€no€duty€to€defend€itsÏinsured.€€For€the€reasons€stated€below,€we€affirm€the€trial€court's€judgment.ÌòòÌà àóóIn€January€1993,€I.€Appel€entered€into€an€insurance€contract€with€St.€PaulÏinsurance€company.€€St.€Paul€issued€to€I.€Appel€a€general€commercial€liability€policyÏand€an€excess€liability€protection€policy.€€ÌÌà àOn€February€26,€1993,€an€incident€occurred€at€I.€Appel€between€Mike€LandrethÏand€Brenda€Kelley.€€Kelley€alleged€that€she€was€injured€when€Landreth€"grabbedÏPlaintiff€by€her€left€arm€and€forcibly€pulled€Plaintiff€around,€causing€physical€injury€toÏPlaintiff."€€Kelley€filed€a€complaint€against€both€Landreth€and€I.€Appel.€€Kelley€allegedÏseveral€causes€of€action€against€Landreth,€including€assault€and€battery,€sexualÏharassment,€and€discrimination.€In€her€original€complaint,€Kelley€alleged€that€I.€AppelÏwas€liable€to€her€for€retaliatory€discharge.€She€later€amended€her€complaint€to€allegeÏagainst€I.€Appel€the€claim€of€intentional€infliction€of€emotional€distress.€ÌÌà àI.€Appel's€answer€denied€all€of€the€allegations€and€further€asserted€that€neitherÏKelley€nor€Landreth€was€an€employee€of€I.€Appel.€Kelley€filed€a€Notice€of€VoluntaryÏDismissal€and€the€trial€court€dismissed€the€action€without€prejudice€on€May€11,€1994.ÌÌà àSt.€Paul€originally€defended€I.€Appel€in€the€case€under€reservation€of€rights.€€OnÏDecember€8,€1993,€however,€St.€Paul€withdrew€from€I.€Appel's€defense.€€I.€Appel€filed€aÏcomplaint€for€declaratory€judgment,€seeking€a€determination€that€it€was€entitled€to€aÏdefense€under€the€insurance€policy.€€€St.€Paul€moved€for€summary€judgment,€arguingÏthat€it€was€not€obligated€to€defend€I.€Appel€because€the€policy€excludes€coverage€forÏintentional€bodily€injuries€and€the€policy€excludes€coverage€to€employees€for€personalÏinjury€to€any€fellow€employee.€€ÌÌà àThe€trial€court€granted€St.€Paul's€motion€for€summary€judgment.€ÌÌà àThe€pertinent€provisions€of€the€subject€policy€are€as€follows:ÌÓÓòòà8 àò òWhat€This€Agreement€Coversóóó óÌà8 àò òBodily€Injury€and€property€damage€liability.ó ó€€We'll€pay€amountsÏany€protected€person€is€legally€required€to€pay€as€damages€for€coveredÏbodily€injury,€property€damage€or€premises€damage€that:Ìà8 àðð€happens€while€this€agreement€is€in€effect;€andÌà8 àðð€is€caused€by€an€event.Ìà8 à...òòBodily€injuryóó€means€any€physical€harm,€including€sickness€or€disease,Ïto€the€physical€health€of€other€persons.€€It€includes€any€of€the€followingÏthat€results€at€any€time€from€such€physical€harm,€sickness€or€disease;Ìà8 àðð€Mental€anguish,€injury€or€illness.Ìà8 àðð€Emotional€distress.Ìà8 àðð€Care,€loss€of€services,€or€death.Ìà8 à...òòEventóó€means€an€accident,€including€continuous€or€repeated€exposureÍto€substantially€the€same€general€harmful€conditions.Ìà8 àÌò òà8 àWho€is€Protected€Under€This€AgreementÌà8 àCorporation€or€other€organization.€€ó óIf€you€are€named€in€theÏIntroduction€as€a€corporation€or€other€organization,€you€are€a€protectedÏperson.€€Your€executive€officers€and€directors€are€protected€persons€onlyÏfor€the€duties€as€your€officers€or€directors.Ìò òà8 àEmployees.ó ó€€Your€employees€are€protected€persons€only€for€work€doneÏwithin€the€scope€of€their€employment€by€you.€€However,€no€employee€is€aÏprotected€person€for€bodily€injury€or€personal€injury€to:Ìà8 àðð€you;Ìà8 àðð€any€fellow€employee;..Ìà8 à***Ìòòà8 àò òExclusions€„€What€This€Agreement€Won't€Coveróóó óÌà8 àò òIntentional€bodily€injury€or€property€damage.ó ó€€We€won't€coverÏbodily€injury€or€property€damage€that's€expected€or€intended€by€theÏprotected€person...Ìò òà8 àRight€and€duty€to€defend.ó ó€€We'll€have€the€right€and€duty€to€defendÏany€claim€or€suit€for€covered€injury€or€damage€made€or€brought€againstÏany€protected€person.€€We'll€do€so€even€if€any€of€the€allegations€of€anyÏsuch€claim€or€suit€are€groundless,€false€or€fraudulent.€€But€we€have€noÏduty€to€perform€other€acts€or€services...€Ìà8 àÌÓÓÌà àI.€€Appel€argues€that€St.€Paul€possessed€a€duty€to€provide€a€defense€in€theÏunderlying€suit€for€three€reasons.€€First,€I.€Appel€contends,€the€provision€excludingÏcoverage€for€intentional€acts€is€inapplicable€to€the€present€case€because€the€policyÏonly€excludes€coverage€for€acts€committed€or€intended€by€the€insured,€or€theÏ"protected€person."€€According€to€I.€Appel,€the€complaint€alleges€that€LandrethÏcommitted€the€intentional€acts.€€I.€Appel€argues€that€because€it€was€the€"protectedÏperson"€and€the€intentional€acts€alleged€were€not€alleged€against€I.€Appel,€St.€PaulÏmay€not€properly€deny€coverage€under€the€exclusion€for€intentional€acts.€€I.€AppelÏfurther€argues€that€St.€Paul€was€not€relieved€of€its€duty€to€defend€because€the€allegedÏintentional€acts€of€Landreth€may€not€be€imputed€to€his€employer,€I.€Appel.€€Moreover,€I.ÍAppel€contends€that€St.€Paul€may€not€rely€on€the€exclusion€governing€injuries€to€fellowÏemployees€because€neither€Kelley€nor€Landreth€were€employees€of€I.€Appel.€€Finally,€I.ÏAppel€asserts€that€St.€Paul€possessed€a€duty€to€defend€as€a€matter€of€law€because€theÏallegations€in€the€complaint€are€ambiguous€and,€therefore,€any€doubt€should€beÏinterpreted€in€favor€of€€I.€Appel.€€ÌÌà àWe€find€these€contentions€to€be€without€merit.ÌÌà àWe€begin€our€analysis€with€the€general€rule€that€an€insurer's€duty€to€defend€aÏsuit€against€its€insured€is€determined€according€to€the€factual€allegations€of€theÏcomplaint.€€òòFirst€National€Bank€in€Bristol€v.€South€Carolina€Insurance€Co.óó,€207€Tenn.Ï520,€341€S.W.€2d€569€(1960);€òòGraves€v.€Liberty€Mutual€Fire€Insurance€Co.óó,€745€S.W.Ï2d€282€(Tenn.€App.€1987).€€Although€an€insurer's€duty€to€defend€is€broader€in€scopeÏthan€the€insurer's€duty€to€pay,€òòJackson€Housing€Authority€v.€Auto€Owners€InsuranceÏCo.óó,€686€S.W.€2d€917€(Tenn.€App.€1984),€language€contained€in€insurance€contractsÏshould€be€given€its€usual,€natural,€and€ordinary€meaning.€€òòAmerican€National€PropertyÏand€Casualty€Co.€v.€Grayóó,€803€S.€W.€2d€693€(Tenn.€App.€1990).€€An€insurance€contractÏshould€be€afforded€a€sensible€construction€that€is€consonant€with€the€object€and€plainÏintention€of€the€parties.€€òòDixon€v.€Gunteróó,€636€S.€W.€2d€437€(Tenn.€App.€1982).€€ÌÌà àIn€the€present€case,€the€complaint€alleged€that€Kelley€was€an€employee€of€I.ÏAppel€and€suffered€an€injury€that€occurred€in€the€course€of€her€employment.€TheÏoriginal€complaint€alleged€a€cause€of€action€against€I.€Appel€for€retaliatory€discharge€inÍresponse€to€her€filing€a€workers'€compensation€claim.€€Kelley€later€amended€herÏcomplaint€to€allege€intentional€infliction€of€emotional€distress€against€I.€Appel.€ClaimsÏfor€both€retaliatory€discharge€and€for€intentional€infliction€of€emotional€distress€are,€byÏtheir€nature,€intentional€causes€of€action.€€Moreover,€Kelley's€allegations€against€I.ÏAppel€were€based€on€the€allegedly€tortious€actions€of€I.€Appel,€rather€than€upon€theÏactions€of€Landreth.€€ÌÌà àThe€language€of€the€insurance€policy€excludes€coverage€for€"bodily€injury€orÏproperty€damage€that's€expected€or€intended€by€the€protected€person."€€€By€affordingÏthe€exclusionary€language€it€usual,€natural,€and€ordinary€meaning,€we€believe€thatÏsuch€language€evinces€a€clear€intent€to€exclude€coverage€to€I.€Appel€for€allegedlyÏintentional€acts.€€ÌÌà àSimilarly,€we€find€no€merit€in€I.€Appel's€contention€that€the€allegations€in€theÏcomplaint€are€ambiguous€and€incomplete€and€that,€therefore,€the€ambiguity€should€beÏresolved€in€favor€of€I.€Appel.€Although€it€is€true€that€a€meager€or€ambiguous€complaintÏmight€require€broadening€the€scope€of€the€inquiry,€the€complaint€in€the€present€caseÏdisplays€no€such€ambiguity€or€deficiency.ÌÌà àSt.€Paul€had€no€obligation€to€go€beyond€the€pleadings€to€determine€its€liability€toÏdefend€the€suit.€€Accordingly,€we€affirm€the€trial€court's€holding€that€there€was€noÏobligation€on€the€part€of€St.€Paul€to€defend€I.€Appel€in€the€action.€€Costs€on€appeal€areÏtaxed€to€appellant.Ìà àà àà àà àà àà àà àà àÌÓÓà àà àà àà àà àà àà àòò€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€Ïóóà àà àà àà àà àà àà àHIGHERS,€J.ÌÌÌÌCONCURS:ÌÌÌÌ_________________________ÌCRAWFORD,€P.J.,€W.S.ÌÌÌÌ_________________________ÌFARMER,€J.ÌÌÌÌÌÌà àà àà àà àà àà àà àà àà àà àà àà àà àà àà àà àà àà àòòÌà àà àà àà àà àà àà àóóÌÌÌà àà àà àà àà àà àà àÌÌ