Question: Steve has an inground pool in his back yard. The pool is enclosed by a fence which Steve keeps locked. While Steve is at work,

Steve has an inground pool in his back yard. The pool is enclosed by a fence which Steve keeps locked. While Steve is at work, some neighborhood kids jump the fence and go swimming. One of the kids dove into the shallow end and was injured. The father says hes going to sue Steve. Is Steve liable? Will the insurance company defend Steve? Explain?

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