St. Paul Fire and Marine Insurance Company v. The City of Zion

Under unambiguous language of City's insurance policy, occurrence triggering coverage is commencement of alleged malicious prosecution, not the termination of the prosecution in favor of the insured. Policy language required "injury" caused by prosecution to "happen" during policy period. As commencement of prosecution occurred outside policy period, court properly granted summary judgment in favor of insurer. (SCHOSTOK and HUDSON, concurring.)