Does your favorite Korean massage parlor have adequate coverage?

Z has aspirations of being the next Dr. Ruth. As he puts it, he believes most people need tutorials in how to lovingly fuc& your partner. Okay, okay, he doesn't put it that way.

Yes, I have considered the egotism in this. For those of you who are as cynical as I, the first question should be:

"Why the hell does he think he is so special he can teach others how to properly bang their mates?"

Anyway, I discovered that when he does embark on this career path, he will need various commercial insurance policies. And he needs to be careful when training employees. See below.

A psychologist sued for performing an erotic "therapeutic massage" while training a prospective employee has been held not to be entitled to a defense under either his CGL or homeowner's policy. Swan Consultants, Inc. v. Travelers Property Casualty Co., -- F.Supp.2d --, 2005 WL 627634 (S.D.N.Y., March 17, 2005). The court held the complaint did not allege an "occurrence" or accident within the meaning of either policy. Even if the complaint had alleged an "occurrence" or accident, any resulting bodily injury would have been excluded under each policy's "intended or expected" exclusion.