National Builders & Contractors Insurance v. Slocum Construction, L.L.C.

*431 JERRY E. SMITH, Circuit Judge: * Slocum Construction, L.L.C. (“Slocum”), appeals a summary judgment on the request of National Builders and Contractors Insurance Company (“NBCI”) for declaratory relief. NBCI, Slocum’s insurer, sought a judgment that it has no duty to defend Slocum against a counterclaim by Robert Youngblood. We affirm. I. Kelvin Anderson contracted with Slocum to build a house. Anderson staked out a parcel of land, but Slocum did not know the land was not Anderson’s. It is uncertain whether Anderson was aware that the land belonged to Youngblood, who is related to Anderson and held the land in trust for Walter McKenzie. Slocum believes that Youngblood was aware that it was building the house on his land. When Anderson could not pay Slocum for the house, Slocum tried to sell it. During due diligence, Slocum discovered that Young-blood owned the land and offered to purchase it from him. When Youngblood refused, Slocum sued Youngblood for fraud and unjust enrichment; Youngblood countersued for trespass, seeking lost rental profits. Slocum petitioned NBCI for a defense and indemnity against Youngblood’s counterclaim. Slocum’s commercial general liability (“CGL”) policy covers damages related to “bodily injury” and “property damage” only if it “is caused by an ‘occurrence.’ ” The policy further defines “occurrence” as “an accident, including continuous or repeated exposure to substantially the same general harmful conditions.” NBCI sought declaratory relief, arguing that Slocum’s actions were not an “accident” and thus were not covered by the policy, or, in the alternative, that there was no “property damage” or “bodily injury,” and that several exclusions precluded coverage. The district court granted NBCI summary judgment, holding that Slocum’s actions were not an accident, that there was bodily injury but no property damage, and that even if Slocum’s actions were not an accident, several contractual provisions excluded coverage. II. “We review [a] summary judgment de novo.” Dunn-McCampbell Royalty Interest, Inc. v. Nat’l Park Serv., 630 F.3d 431, 435 (5th Cir.2011). There is no dispute regarding the facts, but only as to the meaning and effect of the insurance policy, which is a question of law. See U.S. Fid. & Guar. Co. v. OmniBank, 812 So.2d 196, 198 (Miss.2002). Therefore, this court reviews the interpretation of that policy de novo. Nat’l Union Fire Ins. Co. v. Kasler Corp., 906 F.2d 196, 198 (5th Cir.1990). Because we sit in diversity, Mississippi insurance law determines the scope of the policy’s coverage. See Blakely v. State Farm Mut. Auto. Ins. Co., 406 F.3d 747, 751 (5th Cir.2005) (citing Ene R.R. v. Tompkins, 304 U.S. 64, 78-79, 58 S.Ct. 817, 82 L.Ed. 1188 (1938)). An insurer has “no duty to defend a claim outside the coverage of the policy.” Moeller v. Am. Guar. & Liability Ins. Co., 707 So.2d 1062, 1069 (Miss.1996). The factual allegations of the complaint in the underlying action determine whether that duty arises. Delta Pride Catfish, Inc. v. Home Ins. Co., 697 So.2d 400, 403 (Miss.1997). III. Slocum’s insurance policy, like nearly all CGL policies, provides coverage only if the *432 damage is caused by an “occurrence,” which, as stated above, is synonymous with an “accident.” Mississippi looks to the actions of the insured, not the resulting damages, to decide whether there was an accident. Allstate Ins. Co. v. Moulton, 464 So.2d 507, 510 (Miss.1985). The motivation behind those actions is irrelevant if the insured intended to act. See Omni-Bank, 812 So.2d at 197 (“Even if an insured acts in a negligent manner, that action must still be accidental and unintended to implicate policy language.” (emphasis added)). The insured’s actions must have been “inadvertent.” Architex Ass’n, Inc. v. Scottsdale Ins. Co., 27 So.3d 1148, 1161 (Miss.2010). Slocum’s appeal turns on the distinction between an inadvertent action and a mistake. The former is an accident, as described above, but the latter is not, because the insured intended the action underlying the mistake, even if he did not intend the results or if he based his action on erroneous information. 1 Moulton clarifies the difference between an insured’s intentional actions and their unintended results. There, the insured swore out a criminal complaint against a man she suspected of stealing her dog. After the man was arrested and the charges dismissed, he brought a malicious prosecution claim against the insured, who sought a defense from her insurer. Her policy contained a nearly identical definition of “occurrence.” 2 In denying coverage, the Mississippi Supreme Court determined that [a]t the heart of the instant controversy is whether this Court will interpret the word “accident” as referring to Mrs. Moulton’s actions swearing out a complaint that Anthony Walls had stolen her dog or whether “accident” refers to the consequences of that act.... [T]he term accident refers to Mrs. Moulton’s action and not whatever unintended damages flowed from that act. Mrs. Moulton obviously intended to swear out the complaint against Anthony Walls. Although she may not have intended for him to suffer humiliation or embarrassment, she certainly intended for him to be arrested. Moulton, 464 So.2d at 510. Moulton’s actions may have been based on a mistaken belief, but the court stated in dictum that “it would make no difference whether [Mrs. Moulton’s] acts were prompted by malice or negligence, or some other motivating force.” Id. at 509. The Mississippi Supreme Court later turned that dictum into precedent. See OmniBank, 812 So.2d 196 (answering certified question from Ramsay v. OmniBank, 215 F.3d 502 (5th Cir.2000)). The plaintiffs in the underlying action in Ramsay had taken out loans from Omnibank to finance their cars and alleged that the bank had negligently force-placed unnecessary insurance coverage, thereby increasing their loan, premium, and interest payments. The bank sought a defense from its insurer, which argued that the bank’s actions were intentional and thus not cov *433 ered by the CGL policy. The bank countered that the suit was based on the bank’s negligent conduct, and it was an open question under Mississippi law whether negligent, yet intentional, actions may be considered accidents. We certified that question to the Mississippi Supreme Court, which held, applying Moulton, that an insurer has no duty to defend “negligent actions that are intentionally caused by the insured.” OmniBank, 812 So.2d at 202. Even though the bank did not intend to overcharge the plaintiffs, it did intend to charge them some amount. Id. The bank may have acted negligently and may have made a mistake, but it also acted intentionally, so there was no accident to defend. We look to the allegations in the complaint to determine whether NBCI has a duty to defend. Youngblood’s countersuit against Slocum is for trespass, an intentional tort under Mississippi law that requires entering another’s property, without right, for one’s own purpose. Saucier v. Biloxi Reg’l Med. Ctr., 708 So.2d 1351, 1357 (Miss.1998). To trigger coverage under the policy, therefore, Slocum must have accidentally built a house on Young-blood’s land. Slocum has not convincingly distinguished its mistake in building the house from the errors of the insureds in Moulton and OmniBank. 3 The insured in Moulton did not intend to swear out a complaint against a person who had not stolen her dog, but she did intend to swear out a complaint against the plaintiff. The insured in OmniBank did not intend to overcharge the plaintiffs, but it did intend to charge them some amount. Slocum intended to build a house on the land that Anderson staked out. It may not have intended to build one on property that did not belong to Anderson, but that is the unintended result of its intentional actions. Therefore, its actions were not an accident under the terms of its policy, and NBCI has no duty to defend or indemnify. 4 Summary judgment is AFFIRMED. JACQUES L. WIENER, JR., Circuit Judge, specially concurring: I concur in the result reached by the panel majority that National Builders and Contractors Insurance Company (“NBCI”) does not have a duty to defend its insured, Slocum Construction, L.L.C. (“Slocum”), against Robert Youngblood’s counterclaim for willful trespass. I write separately, however, because I respectfully disagree with the panel majority’s reasoning; specifically, its position that, under Mississippi law, Slocum’s acts as a whole do not constitute an “occurrence” within the meaning of NBCI’s insurance policy. Even though, I am convinced that, to the contrary, a contractor’s (1) intentional construction of *434 a building (2) accidentally, i.e., negligently, on the wrong property would constitute an “occurrence,” this cannot control our determination of coverage today. Why? Because we are instructed by Mississippi law to look only to the substance of the complaint — in this case, the substance of Youngblood’s counterclaim — -to determine whether it alleges acts that are covered by the terms of the insurance policy. When we do that here, we must conclude that NBCI does not have a duty to defend Slocum against Youngblood’s counterclaim because the substance of his complaint’s allegation is that Slocum has committed (and continues to commit) only the intentional tort of willful trespass, which by definition cannot be an accident. Like the panel majority, I would affirm the district court’s summary judgment, but I would do so under a different legal analysis than does the panel majority — an analysis that I believe comports more faithfully with Mississippi law. I. Slocum’s Actions Constituted an “Occurrence” It is undisputed that Kelvin Anderson came to Slocum and presented misleading documents — “a deed and a survey to the property” — thereby falsely representing to Slocum that he — Anderson—was the owner of the property. Anderson had also physically staked off the property “in accordance with the survey” and directed Slocum to build the house there. These facts are not mentioned by the panel majority in its opinion, but they clearly demonstrate- — at least to me — that Slocum’s act of building the house on Youngblood’s propeHy was an “occurrence” within the meaning of the NBCI insurance policy. To begin with, these facts distinguish this case from Allstate Insurance Company v. Moulton 1 and United States Fidelity & Guaranty Company v. Omnibank, 2 the two Mississippi cases on which the panel majority so strongly relies. In Moulton, the insured, Mrs. Moulton, mistakenly had the police arrest an innocent man for stealing her dog, and that man later filed an action against her for malicious prosecution. The Mississippi Supreme Court emphasized that, not only must the insured’s acts be committed “consciously and deliberately,” but also “the likely (and actual) effect of those acts [must be] well within [the insured’s] foresight and anticipation.” 3 This inquiry essentially boils down to one of foreseeability of the alleged injury. Mrs. Moulton obviously had a natural expectation that, once arrested, the man (who asserted his innocence, from the start, claiming that Mrs. Moulton was wrong in her prosecution of him) “would be subjected to the embarrassment, deprivation of liberty, and other indignities claimed by [him].” 4 In contrast, Slocum could not have reasonably expected that by entering onto property to build a house commissioned and paid for by Anderson (who himself asserted that he was the owner of the property and backed up that assertion with documents falsely confirming that Slocum was right), Slocum would trespass on Youngblood’s property. For this reason, unlike Mrs. Moulton, it was not “well within ” Slocum’s “foresight and anticipation” that the “likely (and actual) effect” of its construction of the house on property Anderson claimed to own would be that Slocum would in fact trespass on property owned not by Anderson but by Youngblood. *435 Likewise, in OmniBank, an individual financed the purchase of her car through OmniBank, but she did not obtain car insurance, as required by OmniBank. The bank then allegedly “force-placed” insurance coverage on the car and added the cost of the premiums and interest to the amount of the loan. After the borrower learned of the bank’s acts, she filed suit against OmniBank for “wrongfully forceplac[ing] collateral protection insurance” on her. 5 The Mississippi Supreme Court determined that “OmniBank intended to make a loan to [the individual], intended to require [the individual] to maintain insurance, intended to place [the] collateral protection insurance provision in the loan agreement, and intended to include the premium in the finance charge.” 6 In no way then did OmniBank not intend, to force-place insurance coverage on the borrower, and OmniBank could have anticipated that all of the borrower’s alleged damages could result from its intentional acts. OmniBank’s insurance company therefore had no duty to defend OmniBank against that lawsuit in which the substance of the borrower’s complaint was that OmniBank intentionally took the wrongful action of force-placing collateral protection insurance. Since handing down its opinions in Moulton and OmniBank, the Mississippi Supreme Court has issued another relevant opinion, Architex Association, Inc. v. Scottsdale Insurance Company, 7 which the panel majority largely ignores despite the Architex court’s pertinent reflection on Moulton and OmniBank. Architex turned on whether the insured building contractor’s intentional act of hiring subcontractors excluded the insured from coverage for defective work performed by those subcontractors. The Mississippi Supreme Court noted that it had previously held “[i]n the non-construction-defect context of Omnibank ” that “ ‘[t]he only relevant consideration is whether, according to the declaration, the chain of events leading to the injuries complained of were set in motion and folloived, a course consciously devised and controlled by [the insured] without the unexpected intervention of any third person or extrinsic force.’ ” 8 Importantly, however, the court went on to distinguish both Moulton and OmniBank from Architex, explaining: Unlike in this case, the insureds in both Moulton and Omnibank were the parties who engaged in intentional and allegedly tortious conduct leading to the injuries complained of. Thus, the insured’s intentional actions did not constitute “accidents,” and the damages resulting therefrom did not amount to “occurrences” under the respective policies. In the present case, by contrast, the only act or conduct considered by the circuit court was the hiring of subcontractors, without consideration of whether the underlying acts or conduct of the insured or the subcontractors proximately causing “property damage” were negligent or intentional or were otherwise excluded by policy language. While the alleged “property damage” may have been “set in motion” by Architex’s intentional hiring of the subcontractors, the “chain of events” may not have “followed a course consciously devised and controlled by [Architex], without the unexpected intervention of any third person or extrinsic force. 9 *436 Here, no one argues that when Slocum intentionally entered onto the property and intentionally built the house for Anderson, it did so anticipating that the property on which it built was not owned by Anderson. The panel majority would nevertheless liken the instant case to Moulton and OmniBanlc, asserting that “Slocum intended to build a house on the land than Anderson staked out” just the way that “[t]he insured in Moulton did not intend to swear out a complaint against a person who had not stolen her dog, but she did intend to swear out a complaint against the plaintiff’ and that “[t]he insured in OmniBanlc did not intend to overcharge the plaintiffs, but it did intend to charge them some amount.” 10 But, in making that analogy, the panel majority ignores the thrust of Architex that courts should look to whether the conduct that proximately caused the alleged “property damage” was intentional, not whether the insured has performed an intentional act in the course of causing the property damage. As in Architex, the “chain of events” here did not “follow[ ] a course consciously devised and controlled by [Slocum], without the unexpected intervention of any third person or extrinsic force.” 11 Even if it did intentionally lay the foundation of the house and erect its walls, Slocum did not intentionally enter onto the property (falsely identified by Anderson as his own) with knowledge that it did not have the true owner’s permission — the one and only proximate cause of the one and only allegation of injury advanced in Youngblood’s counterclaim: willful trespass. Slocum would not have built the house for Anderson on property not owned by Anderson (and would not have trespassed on Youngblood’s property) but for Anderson’s intervening (mis)direction that Slocum build the house on that specific piece of property. Therefore, under Mississippi law, Slocum’s actions as a whole did constitute an “occurrence” within the definition of NBCI’s insurance policy. But our inquiry cannot end here. II. Youngblood Accuses Slocum of Intentional Actions Regardless of my view that Slocum intentionally built the house but did so accidentally on Youngblood’s land, the core problem with the panel majority’s analysis is that it fails to begin with, and focus on, the specific “property damage” alleged by Youngblood — intentional trespass. The panel majority conflates Slocum’s several distinct acts and assesses them as a whole without acknowledging that Youngblood does not complain of injury from Slocum’s construction of the house on his property. Youngblood only complains of Slocum’s willful trespass on his property. We have explained previously that, “[u]nder Mississippi law, whether a liability carrier has a duty to defend depends on the policy language and the allegations of the complaint. Under this so-called ‘eight-corners’ test, the allegations in the complaint are analyzed against the language in the policy to determine coverage and the duty to defend.” 12 Courts must look to the complaint because, among other things, the injury complained of “must be alleged to *437 have been caused by an ‘occurrence.’ ” 13 The panel majority correctly points out that “Slocum’s insurance policy, like nearly all CGL policies, provides coverage only if the damage is caused by an ‘occurrence,’ which [] is synonymous with an ‘accident.’ ” 14 But we first must know what damage is being asserted within the four corners of the complaint. Here, Youngblood’s counterclaim alleges: That the said Slocum Construction company has willfully trespassed upon said property and continues to do so buy [sic] allowing persons unknown to Mr. Youngblood to traverse upon said property and rents said property and receives profits therefrom against the right of peaceful occupancy entitled to by Mr. Youngblood. WHEREFORE PREMISES CONSIDERED, counter plaintiff Youngblood hereby files this his [sic] counter-complaint for trespass and damages herein and ... herein asks said court to find that counter defendant has willfully and unlawfully trespassed upon the property of said Robert Youngblood and has sought economic benefits therefrom without payments to the trustee now in effect and that they should be enjoined from entering on said property and shall be liable for the resulting damages to be set forth more fully herein upon a full and final hearing.... 15 This counterclaim against Slocum does not allege that Slocum “damaged” Young-blood’s property by building the house on it. What it does allege is that Slocum has and continues to commit the intentional tort of willful trespass on Youngblood’s property. Under Mississippi law, “willful trespass” must be knowing, as “[o]ne who acts in good faith and with reasonable prudence, under a belief that land in question is his own, is not criminally liable for willful or malicious trespass in going upon land of another....” 16 The only claim asserted against Slocum is that it has intentionally and knowingly trespassed and continues to trespass intentionally and knowingly on Youngblood’s property. In no way, then, can Slocum’s behavior — as alleged by Youngblood within the four corners of his counterclaim — be considered an accident or an “occurrence” within the four comers of NBCI’s policy, even if Slocum’s act of building the house arguably was an “occurrence.” As for NBCI’s duty to defend, it matters not whether Slocum did in fact accidentally (and not willfully) trespass on Young-blood’s property. “With regard to coverage and duty to defend, under Mississippi law, the ultimate outcome or merit of the claim is irrelevant with regard to the question of a duty to defend.” 17 What matters is what Youngblood alleged that Slocum did — here, a necessarily intentional action, which by its own definition cannot be considered an “occurrence” under NBCI’s policy — regardless of what Slocum in fact did. *438 This is why courts, like those of Mississippi, which employ the eight-corners rule, consistently deny insurance coverage under general liability insurance policies for claims of intentional torts. 18 For example, under Texas law, which also mandates application of the eight-corners rule, “a claim does not involve an accident or occurrence when either direct allegations purport that the insured intended the injury (which is presumed in cases of intentional tort) or circumstances confirm that the resulting damage was the natural and expected result of the insured’s actions, that is, was highly probable whether the insured was negligent or not.” 19 Although Mississippi courts have not made this distinction as pellucidly as have Texas courts, the Mississippi Supreme Court has made clear, in the context of qualified immunity, that “[njegligence is not an intentional tort.” 20 In sum, Youngblood’s one and only allegation — the only claim that NBCI is asked to defend against — is that Slocum committed the intentional and knowing tort of willful trespass. That just can’t be an accident! We take the wrong path if, like the panel majority, we seek to determine whether Slocum’s intentional act of building the house was also intentionally done on Youngblood’s property or rather was negligent or accidental. We should only consider what Youngblood has alleged in his counterclaim, viz., that Slocum’s entrance onto his property constituted willful *439 (intentional) trespass. As NBCI’s insurance policy only covers negligence and does not cover intentional torts such as willful trespass, NBCI does not have a duty to defend Slocum against Young-blood’s counterclaim for only an intentional tort. 21 With continued respect, I must conclude that the panel majority’s analysis is flawed by virtue of lumping together Slocum’s intentional act of construction and its accidental act of doing so on the wrong property, instead of focusing solely on Youngblood’s claim of willful (intentional) trespass — which tort is simply not covered by NBCI’s policy. This (and only this) is why NBCI does not owe Slocum a defense. Footnotes [*] Pursuant to 5th Cir R. 47.5, the court has determined that this opinion should not be published and is not precedent except under the limited circumstances set forth in 5th Cir. R. 47.5.4. [1] Although that distinction is not formally expressed in Mississippi caselaw, it is a synthesis of the holdings in Moulton and OmniBank, discussed infra. [2] Compare Moulton, 464 So.2d at 508 (" 'Occurrence' means an accident, including injurious exposure to conditions, which results, during the endorsement period, in bodily injury or property damage neither expected nor intended from the standpoint of the Insured.”), with Slocum’s policy (" ‘Occurrence’ means an accident, including continuous or repeated exposure to substantially the same general harmful conditions.... This insurance does not apply to ... ‘[bjodily injury' or ‘property damage' expected or intended from the standpoint of the insured.”). [3] Nor did it even attempt to do so. The thrust of Slocum’s argument is that its action was building a house on Youngblood’s land and that it did not intend to do that. But Slocum is conflating an intended action with unintended results, as did the insured in Moulton. Slocum cites Scottsdale Insurance Co. v. Bungee Racers, Inc., No. 4:04CV376-P-B, 2006 WL 2375367 (N.D.Miss. Aug. 14, 2006), which held that the insured’s sale of a defective amusement park ride was accidental because it did not intend to sell a defective product. That decision, however, (1) is unreported; (2) is not from a Mississippi state court; (3) relied heavily on ACS Construction Co. v. CGU, 332 F.3d 885 (5th Cir.2003), which the Mississippi Supreme Court in Architex later determined was partially incorrect; and (4) did not mention the apparent conflict it created with Moulton and OmniBank. [4] We need not decide whether the policy's exclusions apply, because "exclusionary language ... cannot be used to create coverage where none exists.” Architex, 27 So.3d at 1160 (quoting ACS, 332 F.3d 885). [1] 464 So.2d 507 (Miss. 1985). [2] 812 So.2d 196 (Miss.2002) (en banc). [3] Moulton, 464 So.2d at 509 (emphasis added and quotation omitted). [4] Id. (quotation omitted). [5] OmniBank, 812 So.2d at 197-98. [6] Id. at 201. [7] 27 So.3d 1148 (Miss.2010). [8] Id. at 1153-54 (quoting Omnibank, 812 So.2d at 200) (emphases and alteration in original). [9] Id. at 1159 (quoting Omnibank, 812 So.2d at 200-01) (footnote omitted and emphasis added). [10] Majority Opinion at 432. [11] Architex, 27 So.3d at 1159 (quotation marks and citation omitted). [12] QBE Ins. Corp. v. Brown & Mitchell, Inc., 591 F.3d 439, 443 (5th Cir.2009) (citations omitted). [13] Delta & Pine Land Co. v. Nationwide Agribusiness Ins. Co., 530 F.3d 395, 399-400 (5th Cir.2008) (emphasis added). See also Equal Emp't Opportunity Comm'n v. S. Publ’g Co., 894 F.2d 785, 790-91 (5th Cir. 1990) ("Under Mississippi’s ‘allegations of the complaint’ rule if the factual allegations of the complaint bring the action within coverage of the policy, the insurer has a duty to defend.”). [14] Majority Opinion at 431-32. [15] (emphases added). [16] Johnston v. State, 232 Miss. 102, 98 So.2d 445, 450 (1957). This principle would apply equally if the alleged trespasser acted in good faith and with reasonable prudence under a belief that he had permission to enter from the property owner. [17] Delta, 530 F.3d at 399 (citation omitted). [18] See, e.g., Farmland Mut. Ins. Co. v. Scruggs, 886 So.2d 714, 720 (Miss.2004) ("There are therefore three reasons why coverage must be denied; first, the plain face of [the third party’s] complaint does not trigger the policy’s coverage and duty to defend; secondly, the torts complained of were intentional; and last, public policy compels us to refuse coverage for intentional and illegal actions.”); Moulton, 464 So.2d at 508-10 (asking if "malicious prosecution [is] the type of 'occurrence' contemplated by the insurance policy,” acknowledging that "[m]alicious prosecution is an intentional tort,” and denying coverage). Even in OmniBank, the Mississippi Supreme Court recognized that the specific question it was answering was "whether, under Mississippi law, an insurer’s duty to defend under a general commercial liability policy for injuries caused by accidents extends to injuries unintended by the insured but which resulted from intentional actions of the insured if those actions were negligent but not intentionally tortious." 812 So.2d at 197 (emphasis added). Presumably, if the alleged actions of the insured were intentionally tortious, there would be no question that an insurer would not have a duty to defend under a general commercial liability policy covering only negligence. [19] Lamar Homes, Inc. v. Mid-Continent Cas. Co., 242 S.W.3d 1, 9 (Tex.2007) (citation omitted). Compare Moulton, 464 So.2d at 509 (“[T]he likely (and actual) effect of those acts [must be] well within [the insured’s] foresight and anticipation.”). See also Federated Mut. Ins. Co. v. Grapevine Excavation Inc., 197 F.3d 720, 724 (5th Cir.1999) ("[b]oth state and federal courts sitting in Texas have ... den[ied] insurance defense and coverage in a steady stream of cases [], all of which involve the alleged commission of an intentional tort by an insured. In cases involving claims against an insured for damage arising out of his alleged negligence, however, a second line of cases has developed .... ” (internal footnote omitted and emphasis in original)). [20] Webb v. Jackson, 583 So.2d 946, 950 (Miss. 1991) (explaining that, if an officer was guilty of negligence, then he did not fall under the "intentional tort” exception of qualified immunity). See also Jordan v. Wilson, 5 So.3d 442 (Miss.App.2008): It is true that there is no cause of action for "negligent assault.” However, this is so not simply because there exists no such cause of action but, rather, because an intentional tort cannot be committed negligently. The holding in Webb simply recognizes that a claim alleging an intentional tort and a claim alleging negligence are mutually exclusive, in that, one who is found to have acted negligently cannot at the same time be found to have acted intentionally, (footnote omitted and emphases added). [21] As NBCI points out, "There is no tort of 'negligent' trespass in Mississippi."