Where an excess insurance policy contained a sublimit for physical abuse claims, a payment to the foster agency was capped at $250,000, as opposed to general limit of $5 million.The 7th U.S. Circuit Court of Appeals affirmed a decision by U.S. District Judge Joan Humphrey Lefkow.The Baby Fold is a nonprofit corporation that provides foster-care services in Illinois. In 2010, Baby Fold placed 3-year-old Kianna Rudesill in the …