I'm not sure how FL law works, but I think that since KC was a member of their household that the A's homeowner's policy may cover the damages in the ZFG case. I say this b/c I once sued a former employer who not only threatened to kill me, but also libeled and slandered me. I had to take him to court, but his homeowner's policy paid out a substantial settlement to resolve the issue. He was a public official who got strung out on drugs and was up on malfeasance and fraud and theft charges. I had to testify to what I knew (not that much, but I was honest about everything), and he didn't like that so he tried to smear me. I was never sure why homeowner's would cover a workplace situation, but it did, and I was glad!