In determining if an insurer has a duty to defend an insured, should a court ask whether the insured had a “reasonable expectation” of coverage? Explain

Tina Alberts worked for Robert Woo as a dental surgical assistant. Her family raised potbellied pigs, and she often talked about them at work. Sometimes, Woo mentioned the pigs, intending to encourage a “friendly working environment.” Alberts interpreted the comments as offensive. Alberts asked Woo to replace two of her teeth with implants. The procedure required the installation of temporary partial bridges called “flippers.” While Alberts was anesthetized, Woo installed a set of flippers shaped like boar tusks, as a joke, and took photos. Before Alberts regained consciousness, he inserted the normal flippers.