Article ID: 58bab711426bbe22b8e0006c617c3d75ef95544b3e3190d9ee3295b88c91227f
Source ID: secondary:businessinsurance.com
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URL: https://www.businessinsurance.com/philadelphia-insurance-must-defend-boarding-school-in-abuse-suit/
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Philadelphia Insurance must defend boarding school in abuse suit - Business Insurance Skip to content Register for free Search Search Log In Risk Management Cyber Risks Pricing Trends Mergers & Acquisitions Technology Sponsored Content WSIA RISKWORLD Workers Comp & Safety Workers Comp Cost Control Pain Management Workplace Safety International EMEA Asia-Pacific Latin America People Events BI Intelligence Top 100 Agents & Brokers Best Places to Work 2026 Lists Directories Insurance Pricing BI Stock Index Magazine Current Issue Past Issues Subscribe Women to Watch ALL INsurance Resources Risk Perspectives Sponsored Content Webinars White Papers Risk Management Cyber Risks Pricing Trends Mergers & Acquisitions Technology Sponsored Content WSIA RISKWORLD Workers Comp & Safety Workers Comp Cost Control Pain Management Workplace Safety International EMEA Asia-Pacific Latin America People Events BI Intelligence Top 100 Agents & Brokers Best Places to Work 2026 Lists Directories Insurance Pricing BI Stock Index Magazine Current Issue Past Issues Subscribe Women to Watch ALL INsurance Resources Risk Perspectives Sponsored Content Webinars White Papers Risk Management Cyber Risks Pricing Trends Mergers & Acquisitions Technology Sponsored Content WSIA RISKWORLD Workers Comp & Safety Workers Comp Cost Control Pain Management Workplace Safety International EMEA Asia-Pacific Latin America People Events BI Intelligence Top 100 Agents & Brokers Best Places to Work 2026 Lists Directories Insurance Pricing BI Stock Index Magazine Current Issue Past Issues Subscribe Women to Watch ALL INsurance Resources Risk Perspectives Sponsored Content Webinars White Papers Risk Management Cyber Risks Pricing Trends Mergers & Acquisitions Technology Sponsored Content WSIA RISKWORLD Workers Comp & Safety Workers Comp Cost Control Pain Management Workplace Safety International EMEA Asia-Pacific Latin America People Events BI Intelligence Top 100 Agents & Brokers Best Places to Work 2026 Lists Directories Insurance Pricing BI Stock Index Magazine Current Issue Past Issues Subscribe Women to Watch ALL INsurance Resources Risk Perspectives Sponsored Content Webinars White Papers Philadelphia Insurance must defend boarding school in abuse suit by Richard Sine Claims Disputes , General liability Oct 16, 2026 Philadelphia Insurance must defend a Maryland boarding school in a lawsuit alleging that a teacher sexually abused a student even though its policy took effect after both the teacher and the student had left the school, a federal judge ruled. The decision, in Philadelphia Indemnity Insurance Company v. Oldfields School Inc. , was issued Thursday in the U.S. District Court for the District of Maryland in Baltimore. In a 2025 lawsuit, a woman identified as Jane Doe alleged a teacher sexually harassed and abused her from 2005 — when she was 14 — through 2009, after she left school. The teacher was fired from the school in 2007 due to the abuse, and the student graduated in the summer of 2008, according to the ruling. The student says she still suffers from panic attacks and anxiety, has felt suicidal and requires therapy. Philadelphia, a unit of Tokio Marine, insured Oldfields under a policy running from August 2008 to August 2009, that included coverage for liability tied to sexual or physical abuse. The insurer argued that the first abuse in 2005 predated the policy and that the teacher and student had both left the school before the policy began. The judge disagreed. He said the coverage form applies when “bodily injury,” defined to include emotional distress, occurs during the policy period. Coverage, he wrote, “does not turn on the timing of the ‘abusive conduct,’” but on the timing of the bodily injury. The student alleges distress and treatment beginning in 2008, he noted, which could fall within the policy period. The judge granted the school’s cross-motion on the duty to defend but delayed a decision on whether the insurer must pay any eventual judgment until the lawsuit is resolved. 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