#24366-a-TUCKER, Circuit Judge
2007 SD 107
IN THE SUPREME COURT
OF THE
STATE OF SOUTH DAKOTA
* * * *
STATE FARM FIRE & CASUALTY Plaintiff and Appellee,
COMPANY,
v.
THOMAS G. HARBERT, Defendant and Appellant,
and
DAVID M. KALT Defendant.
* * * *
APPEAL FROM THE CIRCUIT COURT
OF THE FIFTH JUDICIAL CIRCUIT
BROWN COUNTY, SOUTH DAKOTA
* * * *
HONORABLE JACK R. VON WALD
Judge
* * * *
SUSAN M. SABERS and
WILLIAM P. FULLER of
Fuller & Sabers, LLP Attorneys for plaintiff
Sioux Falls, South Dakota and appellee.
LEE SCHOENBECK of
Schoenbeck Law Office Attorney for defendant
Watertown, South Dakota and appellant.
* * * *
ARGUED
APRIL 24, 2007
OPINION FILED 10/24/07
#24366
TUCKER, Circuit Judge
[¶1.] State Farm Fire & Casualty (State Farm) brought this declaratory
judgment action to determine if coverage or a duty to defend existed in an
underlying action. In that case David Kalt (Kalt) brought suit against Thomas
Harbert (Harbert) for alienation of the affections of his former spouse, Peggy Kalt
(Peggy). Harbert sought personal liability coverage on the underlying action from
State Farm under his personal liability umbrella policy. The trial court granted
summary judgment in favor of State Farm, finding no coverage and, thereby, no
duty to defend. Harbert appeals.
[¶2.] We affirm, finding (1) an invasion of privacy claim derived from
conduct leading to the dissolution of a marriage is more properly considered an
alienation of affections claim; (2) alienation of affections is an intentional tort,
falling within State Farm's intentional tort exclusion in the policy; and, (3) insuring
an alienation of affections cause of action for an insured is contrary to the public
policy of this State.
FACTS AND PROCEDURE
[¶3.] Kalt and Peggy were married on February 14, 1976. In May 2000
Peggy was hired as clinic manager for the Aberdeen Association of Orthopedic
Surgeons. At the clinic Peggy managed the practice of three physicians, one of
whom was Harbert. In 2001 Harbert and Peggy began engaging in an extra-marital
affair while Peggy was married to Kalt. Upon discovering the affair, Kalt filed for
divorce against Peggy and initiated the underlying civil action against Harbert
alleging alienation of affections.
#24366
[¶4.] At the time of the commencement of the underlying action, Harbert
was insured by a policy from State Farm. 1 Harbert tendered the lawsuit to State
Farm, asserting that State Farm must defend and indemnify Harbert under his
policy. State Farm defended the underlying action pursuant to a reservation of
rights and commenced a declaratory judgment action to determine if Harbert's
policy provided a duty to defend and coverage.
[¶5.] The policy's coverage for personal liability provides, "[i]f you are legally
obligated to pay damages for a loss, we will pay your net loss minus the retained
limit." (emphasis in original). The definition of "loss" appears in the policy
endorsement, which supplements the parent policy. "Loss" is defined as:
6. "Loss" means:
a. an accident, including injurious exposure to
conditions, which results in bodily injury or
property damage during the policy period.
Repeated or continuous exposure to the same
general conditions is considered to be one loss; or
b. the commission of an offense, or series of similar
or related offenses, which result in personal injury
during the policy period.
(emphasis in original). The definition of "bodily injury" and the offenses causing
"personal injury" are also found in the policy endorsement:
17. "bodily injury" means physical injury, sickness,
disease, emotional distress or mental injury to a person.
This includes required care, loss of services and death
resulting therefrom.
1. Harbert purchased a State Farm Fire & Casualty personal liability umbrella
policy that became effective July 7, 2001. Kalt initiated the underlying action
named Kalt v. Harbert on January 14, 2004.
-2-
#24366
9. "personal injury" means injury caused by one or more of
the following offenses:
a. false arrest, false imprisonment, wrongful
eviction, wrongful detention, malicious prosecution;
b. libel, slander, defamation of character or
invasion of rights of privacy.
[¶6.] The policy provides that when the asserted claim is covered by the
policy, State Farm will defend the insured in the suit, and pay the expenses
incurred, costs taxed, and pre- and post-judgment interest accrued. However, the
policy lists relevant exclusions to this coverage, including the intentional tort
exclusion. The intentional tort exclusion specifies that State Farm will not provide
coverage:
2. for bodily injury or property damage:
a. which is either expected or intended by you; or
b. to any person or property which is the result of
your willful and malicious act, no matter at whom
the act was directed.
16. for personal injury when you act with specific intent to
cause or harm injury.
(emphasis in original).
[¶7.] State Farm and Harbert filed motions for summary judgment. As a
result, Kalt amended his initial complaint against Harbert in the underlying action
to include a cause of action for invasion of rights of privacy. 2 The amended
complaint alleged Kalt had been "injured in his right to privacy in that, among
2. Kalt's amended complaint added a claim entitled "violation of personal
rights." Invasion of rights of privacy claim is specifically listed under the
policy as a covered personal injury offense.
-3-
#24366
other things Defendant gained private and personal information about Plaintiff, his
family, and his finances which has caused Plaintiff to suffer great distress of mind,
body and estate and damages."
[¶8.] In support of his motion for summary judgment, Harbert argued
coverage existed and State Farm had a duty to defend the underlying action
pursuant to (1) the personal injury coverage as an invasion of rights of privacy
offense; or (2) the bodily injury coverage provision as an "accident" resulting in
bodily injury. State Farm argued that no coverage existed under the policy because
of the intentional tort exclusion.
[¶9.] The trial court granted summary judgment in favor of State Farm,
finding no coverage and, thereby, no duty to defend Kalt's suit against Harbert for
alienation of affections and invasion of rights of privacy. Specifically, the trial court
held that a claim for alienation of affections is an intentional tort under South
Dakota law, and, as such, is not covered under the policy. In addition, the trial
court found Kalt's invasion of privacy claim against Harbert was essentially a claim
for alienation of affections. 3
[¶10.] Harbert appeals from the trial court's order granting State Farm's
motion for summary judgment. We review the following issues on appeal:
Is Kalt's invasion of privacy claim, derived from conduct
resulting in the dissolution of a marriage, more properly
considered an alienation of affections claim?
3. The trial court concluded, "[T]here is no coverage under the 'personal injury'
portion that would let you [Kalt] basically claim the same injuries for
alienation of affections under a different name of invasion of rights to
privacy."
-4-
#24366
Does the alienation of affections claim fall within State
Farm's intentional tort exclusion in the policy? 4
Does public policy of South Dakota preclude insurance
coverage for the intentional tort of alienation of
affections?
STANDARD OF REVIEW
[¶11.] This matter is before the Court on appeal from a grant of summary
judgment. Pursuant to South Dakota law, summary judgment "shall be rendered
forthwith if the pleadings, depositions, answers to interrogatories, and admissions
on file, together with the affidavits, if any, show that there is no genuine issue as to
any material fact and that the moving party is entitled to a judgment as a matter of
law." SDCL 15-6-56(c). All reasonable inferences drawn from the facts must be
viewed in favor of the nonmoving party and reasonable doubts should be resolved
against the moving party. Wilson v. Great Northern Ry. Co., 83 SD 207, 212, 157
NW2d 19, 21 (1968). The burden is placed on the moving party to show an absence
of any genuine issue of material fact and an entitlement to judgment as a matter of
law. However, the party opposing a motion for summary judgment must be diligent
in resisting the motion, and mere general allegations and denials which do not set
forth specific facts will not prevent issuance of a judgment. Butler Machinery Co. v.
Morris Const. Co., 2004 SD 81, ¶ 5, 682 NW2d 773, 776. Our task on appeal is to
determine whether a genuine issue of material fact exists and whether the law was
correctly applied in the lower court. Weatherwax v. Hiland Potato Chip Co., 372
NW2d 118, 120 (SD 1985); Ruple v. Weinaug, 328 NW2d 857, 859-60 (SD 1983).
4. This Court will examine coverage under Harbert's umbrella policy from State
Farm. The parties agree Harbert's homeowner's policy from State Farm
provides no coverage for the underlying claim and is not at issue.
-5-
#24366
ISSUE ONE
[¶12.] Is Kalt's invasion of privacy claim, derived from conduct
resulting in the dissolution of a marriage, more properly considered an
alienation of affections claim?
[¶13.] Harbert asserts State Farm has a duty to defend Kalt's action for
invasion of rights of privacy because it is specifically covered within the policy's
definition of "personal injury." 5 Harbert emphasizes that because "invasion of
rights of privacy" is not defined in the policy, this Court should adopt a reasonable
interpretation of the policy language which includes protection for claims that an
insured violated protected marital interests. We find this argument unpersuasive.
[¶14.] In Pickering v. Pickering, 434 NW2d 758, 762 (SD 1989), this Court
declined to recognize a "repackaged cause of action that already has been
specifically pleaded." We refused as a matter of public policy to recognize actions
for intentional infliction of emotional distress, fraud and deceit, negligent
misrepresentation, and tortious interference with a marital contract when such
claims were "predicated on conduct which leads to the dissolution of a marriage."
Id. at 761. In Pickering we concluded that any wrong that occurred as a result of
the defendant's alleged fraud and deceit in the context of a marriage is not one that
can be redressed in a tort action because public policy would not be served by
authorizing an award of damages under the circumstances. Id. at 761-62. By
definition, a civil wrong is given a remedy in the judicial system as a "tort" action
for damages. However, the judicial system cannot remedy all wrongs, particularly
5. The policy's definition of "personal injury" lists several covered intentional
torts (called "offenses") which State Farm agrees to provide personal liability
insurance coverage.
-6-
#24366
those wrongs which are beyond any effective legal remedy and practical
administration of the law. Id. at 761. For example, wrongs such as "betrayal,
brutal words, and heartless disregard of feelings of others" are in themselves
outrageous conduct and "to attempt to correct such wrongs or give relief from their
effects 'may do more damage than if the law leaves them alone.'" Id. at 761. The
law of South Dakota provides a remedy for these types of claims in the form of an
action against the paramour for alienation of affections. Id. In accordance with the
public policy of South Dakota, any wrong which occurred as a result of the alleged
privacy violation by Harbert in the context of Peggy and Kalt's marriage is not one
that can be redressed in an action for invasion of rights of privacy.
[¶15.] By amending his complaint to include invasion of privacy, Kalt was, in
essence, attempting to repackage his alienation of affections claim as an invasion of
privacy claim to create insurance coverage for Harbert in the underlying action.
The privacy claim stemmed from the same underlying injury as the claim for
alienation of affections: allegedly the intentionally harmful, voluntary adulterous
conduct leading to the dissolution of Kalt's marriage. Thus, it cannot be said that
the privacy claim is separate or distinct from the alienation of affections claim.
Kalt's initial complaint asserted a cause of action against Harbert for alienation of
the affections of his former spouse, Peggy. 6 Under South Dakota law, Kalt's remedy
6. Kalt's initial complaint claimed, among other things, "The Defendant,
intending to injure the Plaintiff and to deprive the Plaintiff of his wife and of
his wife's aid, support, protection, comfort, society and fidelity toward the
Plaintiff, wickedly, willfully, and maliciously sought to prejudice the mind of
Peggy A. Kalt against the Plaintiff and to alienate her affection from the
Plaintiff."
-7-
#24366
is an action for alienation of affections.
ISSUE TWO
[¶16.] Does the alienation of affections claim fall within State Farm's
intentional tort exclusion in the policy?
[¶17.] The interpretation of a contract is a question of law. State Farm Mut.
Auto Ins. Co. v. Vostad, 520 NW2d 273, 257 (SD 1994); Yarcheski v. Reiner, 2003
SD 108, ¶ 24, 669 NW2d 487, 495. "The existence of the rights and obligations of
parties to an insurance contract are determined by the language of the contract,
which must be construed according to the plain meaning of its terms." Bielger v.
American Family Mutual Ins. Co., 2001 SD 13, ¶ 20, 621 NW2d 592, 598-599.
Thus, in deciphering the language of the insurance contract, the court must employ
a plain meaning approach. Id.
[¶18.] Under South Dakota law, a liability insurer's duty to defend extends to
any third party claim asserted against an insured that arguably falls within the
policy's coverages. If disputed, the issue of whether an insurer has a duty to defend
is determined by the third party's complaint and "other evidence of record." North
Star Mut. Ins. Co. v. Kneen, 484 NW2d 908, 912 (SD 1992). The insurer bears the
burden of showing it has no duty to defend the insured. Id. This burden is satisfied
when the insurer shows the claim "clearly falls outside of policy coverage." State
Farm Mutual Auto. Ins. Co. v. Wertz, 540 NW2d 636, 638 (SD 1995) (emphasis in
original). See also City of Fort Pierre v. United Fire & Cas. Co., 463 NW2d 845, 847
(SD 1990); Bayer v. Employers Reinsurance Corp., 383 NW2d 858, 861 (SD 1986);
Hawkeye-Security Ins. Co. v. Clifford, 366 NW2d 489, 492 (SD 1985). If doubt
exists as to whether the insured's claim falls within the policy coverage after
-8-
#24366
considering the complaint and record evidence, "such doubts must be resolved in
favor of the insured." City of Fort Pierre, 463 NW2d at 847.
[¶19.] The policy issued by State Farm does not provide coverage for the
underlying tort action of alienation of affections. Such an intentional tort claim
falls within the intentional tort exclusion of the policy and releases State Farm from
a duty to defend the underlying claim against Harbert.
[¶20.] Under the policy language, State Farm agreed to defend and indemnify
Harbert where Harbert was legally obligated to pay for a "loss." A "loss" under the
policy is defined as "an accident . . . which results in bodily injury." 7 The policy does
not define the word "accident." The intentional tort exclusion provides that injuries
"expected or intended by" Harbert, or injuries that were the "result of [Harbert's]
willful and malicious acts" would not be covered. Kalt's initial complaint alleged
Harbert intentionally injured Kalt and deprived him "of his wife and of his wife's
aid, support, protection, comfort, society and fidelity," and "wickedly, willfully, and
maliciously sought to prejudice the mind of Peggy A. Kalt" against Kalt and "to
alienate her affections." State Farm asserts this alleged bodily injury 8 is excluded
from coverage under the "expected or intended" injury exclusion and is not the
result of an "accident." We agree.
7. Because we find Kalt's invasion of rights of privacy claim to be unavailable
and without merit, the "personal injury" coverage analysis is not relevant and
not at issue.
8. State Farm concedes that Kalt's complaint alleges conduct resulting in
"bodily injury" under the definition in the policy.
-9-
#24366
[¶21.] To determine whether Kalt's alleged bodily injury is the result of an
"accident" under the policy, we must review the elements of the alienation of
affections tort. There are discrepancies between early South Dakota Supreme
Court decisions and those decided in recent years regarding the intent element of
the alienation of affections tort. In the earlier decisions, "actual intent to alienate
the affections of the spouse of another need not necessarily be shown if defendant's
conduct is inherently wrong and tends to, and does, have that effect." Pearsall v.
Colgan, 76 SD 241, 244, 76 NW2d 620, 621 (1956). See also McAlpin v. Baird, 40
SD 180, 166 NW 639, 640 (1918) (stating "[t]he allegation that the defendant
debauched and carnally knew plaintiff's wife states a cause of action for damages.
It is not necessary to allege an intent on defendant's part to injure the plaintiff.").
These early cases required a relaxed general intent to alienate the affections of
another's spouse. In addition, these cases required the defendant's conduct to "have
been calculated from the outset" of the affair to cause the spouse's loss of affections
for the plaintiff. Pankratz v. Pankratz, 401 NW2d 543, 548 (SD 1987).
[¶22.] In contrast, under the modern decisions of this Court, specific intent to
alienate one spouse's affections from the other spouse is required to sustain an
action for alienation of affections. See Veeder v. Kennedy, 1999 SD 23, ¶ 39, n14,
589 NW2d 610, 619 (finding one who "purposefully alienates" one spouse's affections
from the other spouse is liable for the tort of alienation of affections, and stating
that "[n]ot only must the actor have caused a diminution of one spouse's affection
for the other by acts, but the acts must have been done for the very purpose of
accomplishing this result."); Pankratz, 401 NW2d at 549 (providing "[t]he acts
-10-
#24366
which lead to the loss of affection must be wrongful and intentional, calculated to
entice the affections of one spouse away from the other" and stating "[t]he gravamen
of an action for alienation of affections is enticement. It is based on an intentional
tort, not negligence.") (emphasis in original).
[¶23.] Additionally, under the modern decisions of this Court, the specific
intent to alienate affections is not required to be present "from the outset" of the
affair. Veeder, 1999 SD 23, at ¶ 38, n13, 589 NW2d at 619. Rather, the specific
intent to alienate one spouse's affections from the other spouse may develop at any
point during the adulterous relationship.
[¶24.] To clarify the elements of an alienation of affections action, we restate
them here. The elements of alienation of affections are:
1. Wrongful conduct by the defendant with specific
intent to alienate one spouse's affections from the
other spouse (such intent may develop at any point
during the adulterous relationship);
2. Loss of affection or consortium; and
3. A causal connection between such intentional
conduct and loss.
Pickering, 434 NW2d at 762-763; Veeder, 1999 SD 23 at ¶ 39, n14, 589 NW2d at
619.
[¶25.] The elements of this alienation of affections action fall within the
intentional tort exclusion of the policy. Therefore, there is no coverage and no duty
to defend.
[¶26.] After examining the elements of alienation of affections, we also
consider the history of decisions from this Court construing unintended results of
-11-
#24366
intentional torts in insurance policies. A line of divided decisions from this Court
has created confusion in determining policy coverage for intentional tort exclusions.
Some decisions have found, based on the public policy of this State, that intentional
torts and their resulting injuries are not "accidents" under insurance policies,
thereby releasing the insurer's duty to defend the intentional tort claims asserted
against its insured. 9 Other decisions have found there may be a duty for an insurer
to defend its insured when the insured is being sued for an intentional tort that
results in an unintended injury. 10
[¶27.] The division of our recent decisions on this issue was recognized by the
Eighth Circuit Court of Appeals in Pins, 476 F3d 581 (8th Cir 2007). 11 There, the
9. See Klatt v. Continental Ins. Co., 409 NW2d 366 (SD 1987) (finding that the
intended consequences of an intentional act are not an "accident" for
purposes of insurance contract interpretation); Taylor v. Imperial Cas. &
Indem. Co., 82 SD 298, 144 NW2d 856 (1966); Corner Const. Co. v. United
States Fidelity, 2002 SD 5, 638 NW2d 887; See also Pins v. State Farm Fire
and Casualty Company, 476 F3d 581 (8th Cir 2007); SDCL § 53-9-3
(providing that "[a]ll contracts which have for their object, directly or
indirectly, to exempt anyone from responsibility for his own fraud or willful
injury to the person or property of another or from violation of law whether
willful or negligent are against the policy of the law.").
10. See Stoebner v. SD Farm Bureau Mut. Ins. Co., 1999 SD 106, ¶ 12, 598
NW2d 557, 559 (providing that "[m]ost, if not all, negligently inflicted injuries
or damages result from intentional acts of some kind, but coverage still exists
under normal [insurance] policy provisions if there was no intention to cause,
by the commission of the acts, the resulting injury or damages."); Wertz, 540
NW2d at 642.
11. While the instant case was pending appeal, Pins overruled the district court,
which concluded State Farm had a duty to defend Pins' alienation of
affections claim because Pins could have been found liable for alienation of
affections even if he did not intend to break up a marriage. Pins, 476 F3d at
584. According to the Court of Appeals, applying South Dakota law, the
district court incorrectly relied upon the principle that there may be a duty to
defend when an intentional tort results in an unintended injury. Id.
-12-
#24366
Eighth Circuit stated,
In recent years, opinions in badly-divided decisions of the
Supreme Court of South Dakota have declared that there
may be a duty to defend when an intentional tort results
in an unintended injury, such as when a punch in the face
results in a broken ankle. . . . We are less confident than
the district court that a majority of the Supreme Court of
South Dakota has adopted this principle.
Pins, 476 F3d at 583-84.
[¶28.] In Tri-State Co. of Minnesota v. Bollinger, 476 NW2d 697 (SD 1991), a
homeowner punched a guest in the face and an altercation ensued between the two
parties. As a result, the guest suffered a broken ankle and brought a personal
injury suit against the homeowner for assault and battery. The homeowner sought
coverage under his homeowner's insurance policy and tendered defense to his
insurer. The homeowner's insurer declined to defend on grounds that it had no duty
to defend or indemnify insured because such intentional conduct was excluded from
the policy. However, this Court found that the insurer had a duty to defend stating
that it is not the intentional act of the insured which must be expected or intended
for the intentional act exclusion to apply; instead, a court must consider whether
the resulting injuries were intended. Id. at 701. This Court noted that breaking an
ankle was not ordinarily an intended consequence of a fist fight inside a home.
However, it was a question for a jury to sort out under proper instructions.
[¶29.] While one could argue that bodily injury of the type in Bollinger is an
expected consequence of being punched, that case can be distinguished from an
alienation of affections claim. Here, as in all alienation of affections claims, the
-13-
#24366
gravamen of the tort is the intent to achieve the result; specifically, the intent to
cause alienation of the spouse's affections away from the other spouse.
[¶30.] Harbert attempts to use the Bollinger rationale to support his
argument for coverage, asserting that he intended the act, but not the result. He
emphasizes that although he intended to have sexual relations with Peggy, he did
not intend to alienate her affections from her husband, Kalt, and thus coverage
exists under the policy. We disagree with this reasoning. We find the Bollinger
rationale does not apply, because the tort of alienation of affections requires specific
intent to cause the resulting injury of alienating a spouse's affections away from the
other spouse.
[¶31.] Accordingly, an underlying action for alienation of affections cannot be
supported by facts that fit within the definition of an "accident" of an insurance
policy, because an alienation claim necessarily requires the specific intent to entice
the affections of one spouse away from the other.12 In the underlying action, Kalt
must prove that Harbert "expected or intended" a "loss" to Kalt from his adulterous
conduct, rendering such "loss" outside the scope of an "accident." At the heart of an
alienation of affections tort is the specific intent to alienate the affections of one
spouse away from the other spouse. Therefore, the resulting injury is always
"expected or intended." As a result, State Farm has no duty to defend Kalt's
alienation of affections claim because it falls within the intentional tort exclusion as
an expected or intended loss and is, therefore, not covered by Harbert's policy.
12. See Pins, 476 F3d 581 (8th Cir 2007) (providing that because alienation of
affections is an intentional tort requiring the insured to intend to cause
specific injuries, no coverage existed under the policy).
-14-
#24366
ISSUE THREE
[¶32.] Does the public policy of South Dakota preclude insurance
coverage for the intentional tort of alienation of affections?
[¶33.] As a general rule, public policy prohibits extending insurance coverage
to individuals who commit intentional tortious conduct. State Farm Mut. Auto. Ins.
Co. v. Kostaneski, 2004 SD 114, ¶ 22, 688 NW2d 410, 415. See also Wertz, 540
NW2d at 640 (stating that "[p]ublic policy prohibits extending insurance coverage to
an individual who intentionally harms others."); City of Fort Pierre, 463 NW2d at
848-49 (quoting Ambassador Ins. Co. v. Montes, 76 NJ 477, 483, 388 A2d 603, 606
(1978) which states "[w]ere a person able to insure himself against economic
consequences of his intentional wrongdoing, the deterrence attributable to financial
responsibility would be missing."); Bollinger, 476 NW2d 697 (SD 1991) (stating that
if insured, through intentional acts, consciously controls risks covered by the policy,
the central concept of insurance is violated); SDCL 53-9-3 (providing that contracts
which have the purpose of exempting anyone from responsibility for his own fraud,
willful injury, or violation of law are against public policy).
[¶34.] Under South Dakota law, "public policy prohibits extending insurance
coverage to an individual who intentionally harms others." Wertz, 540 NW2d at 640
(holding a driver who intentionally drives a car into truck with intention of injuring
passenger is not allowed to inflict deliberate harm with financial impunity). As
mentioned earlier, this principle was examined by the Eighth Circuit Court of
Appeals in Pins, 476 F3d 581 (8th Cir 2007). There, the court found no insurance
coverage for the intentional tort of alienation of affections under South Dakota law.
The Eighth Circuit ruled in line with South Dakota's public policy and found that
-15-
#24366
because alienation of affections is an intentional tort requiring the insured to intend
to cause specific injuries, no coverage existed under the policy.
[¶35.] Pursuant to this State's public policy, an individual is not allowed to
impute financial responsibility to his insurance company for his own intentional
torts. Such responsibility stays with the insured. Here, Harbert allegedly
committed a wrong by enticing Peggy's affections away from Kalt. Harbert is
attempting to shift responsibility for these actions to his insurer, State Farm. The
alienation of affections is conduct that should not be encouraged by the protection of
financial impunity. To permit such "affair insurance" would defeat the purpose of
punishing and deterring individuals for their own tortious acts. In accordance, we
hold that insuring the tort of alienation of affections is contrary to South Dakota
public policy.
[¶36.] Affirmed.
[¶37.] GILBERTSON, Chief Justice, and KONENKAMP, ZINTER and
MEIERHENRY, Justices, concur.
[¶38.] TUCKER, Circuit Judge, for SABERS, Justice, disqualified.
-16-