gives to an instrument, i.e., the title of a document or the caption of a provision, does not alter the meaning of the contents of the document—it does not control the interpretation or construction of the document, the legal effect of the document, or the relationship of the parties; and it does not determine the nature or character of the document[ ]”). However, as written, the exclusion bars claims arising out of an assault/battery—caused by, at the instigation of, at the direction of, or omission by—the insured and/or his employees. The wording of this exclusion is clear and unambiguous. The exclusion applies in at least four (4) circumstances: 1) assault/battery caused by the insured and/or his employees; 2) assault/battery a Realty Corp., 994 F.2d 105, 109-110 (2nd Cir.1993) (<HOLDING>). Hudson is correct. In his state court
holding that a patrons cause of action alleging negligent maintenance of nightclubs bathrooms was excluded from coverage under nightclubs liability policy by assault and battery exclusion  the action was premised upon rape and sodomy of patron caused by an omission by the nightclub holding that coverage arguably existed under an insurance policy for claims against an employer and employees for an alleged assault and battery of bar patrons and that the insurer had a duty to defend holding claim for injuries arising out of use of truck and not from negligent supervision excluded from coverage by auto exclusion in commercial general liability policy no claim that language in policy was ambiguous or unclear holding that a sexual assault on a youth homes resident was excluded from an insurance policys coverage by an assault and battery exclusion notwithstanding that the claim was couched in negligence holding that claims were clearly excluded from coverage under assault and battery exclusion and therefore insurer had no duty to defend or indemnify