Secura Supreme Ins. Co., et al. v. Differding, et al.
Annotate this CaseSecura Supreme Insurance Company appealed a judgment ordering Secura to indemnify Scott Differding for damages awarded against him in a tort case. The district court, deciding cross motions for summary judgment, held Secura’s policy did not insure Differding. The court nonetheless held Secura had to indemnify Differding under theories of waiver and estoppel because it assumed his defense in the tort case without reserving the right to deny coverage. The North Dakota Supreme Court held Differding could not invoke waiver and estoppel to create personal coverage under an insurance policy to which he was not a party and had no right to enforce. The district court’s judgment was therefore reversed.
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