A federal judge has ruled that an insurance company is not liable for a $10 million judgment, plus punitive damages and attorney fees, from a lawsuit over the death of a toddler who drowned in a swimming pool at a home day care center.

The decision relieves Cincinnati Insurance Co. from a potential $15 million exposure, according to the insurer’s attorney, James Brieske of Gray, Rust, St. Amand, Moffett & Brieske.

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