Sanders v. Illinois Union Insurance Co.

Summary

The court held that coverage under the occurrence-based policies was triggered when Sanders was maliciously prosecuted in 1994, not when he was exonerated or retried during the policy period. Because the policies covered offenses occurring during the policy period and treated damages arising from substantially the same personal injury as one occurrence, the insurers had no duty to indemnify Chicago Heights. The court therefore reversed the appellate court and affirmed the circuit court's dismissal of the complaint.