In the wake of last year's arrest and multicount indictment of an East Point police sergeant accused of molesting a 15-year-old girl, the city was threatened with a potential multimillion-dollar lawsuit by the teenager.

East Point, in turn, asked its insurer to defend the case and indemnify it in accordance with a $2 million law enforcement professional liability policy issued to the city's police department. 

The carrier, Kinsale Insurance Co., said no thanks, arguing that exclusions in the policy barred coverage.