"Accidents" and Intentional Conduct

Consider the following scenarios and ask yourself whether they describe a situation that should be covered by liability insurance:
Scenario 1: At a pool party at his home, the policyholder picks up his friend and throws him into the pool as a joke, intending to “get him wet.” Unfortunately, the policyholder doesn’t use enough force on the throw and his friend lands on the pool steps, breaking his clavicle. The injured friend sues the policyholder. Read Full Article