Affirmed. See Federal Insurance Co. v. Applestein, 377 So.2d 229 (Fla. 3d DCA 1979) (insurer’s duty to defend an action against its putative insured is determined by the allegations of the plaintiffs complaint); Cloud v. Shelby Mutual Insurance Co. of Shelby, Ohio, 248 So.2d 217 (Fla. 3d DCA 1971) (coverage is not excluded as a matter of law where there was an “intentional act” but not an “intentionally caused” injury).