Landmark insurance-coverage decision

Liberty Surplus Ins. Corp. v. Ledesma & Meyer Construction Co. (2018) 5 Cal.5th 216 [233 Cal.Rptr.3d 487, 418 P.3d 400], as modified (July 25, 2018)
Holds that the intentional conduct of an employee did not preclude potential coverage for employer on claims against it for negligent hiring and supervision. Clarifies that policies that promise coverage for “accidents” provide coverage for negligent conduct, because “accidents” are a subset of “negligence.” Rejects prevailing view in the California appellate courts and the Ninth Circuit that the unintended consequences of the insured’s intentional acts can never qualify as an “accident.”