An insurance company issued a homeowner's policy to a married couple (the "Taylors") covering occurrences at their residence. The couple had two minor boys who lived with them. The policy provided coverage for any "occurrence," defined as bodily injury or property damage caused by an accident. The policy contained the following section regarding the providing of notice of potential claims to the insurer:
In case of an accident or occurrence, the insured will perform the following duties …
A. Give notice to us or our agent as soon as practicable setting forth:
- identity of the policy and insured;
- reasonably available information on the time, place and circumstances of the accident or occurrence; and
- names and addresses of any claimants and available witnesses.
Mrs. Taylor invited her sister and her family to live with them. The sister's five-year-old minor daughter (the "victim") ...