AMCO Insurance Company v. Ralph W. Mello

Syllabus

This appeal involves a dispute between an insurance company and its insured regarding the application of exclusion clauses in a homeowners' insurance policy and a personal umbrella liability policy. After malicious prosecution and abuse of process claims were filed against the insured in Alabama by a law firm, the insurance company accepted the defense under a reservation of rights and filed the present action seeking a declaration that it is not required to provide coverage for the damages complained of in the Alabama lawsuit. Following a bench trial held on stipulated facts, the trial court determined that the insured was, in fact, entitled to certain coverage. We reverse.