A “Domestic Employee” Is Not The Opposite of a Foreign Employee

In this insurance coverage dispute, the plaintiff argued that he did not fall with in the policy’s exclusions because the phrase “domestic employee” was ambiguous.  According to the plaintiff “domestic employee” could refer to either employees who work in a household or employees who are citizens of the United States.  The court rejected this argument, holding that the language of the policy combined with the regulatory framework unambiguously establish that “domestic employee” refers to household employees.

West v. S. County Mut. Ins. Co.