Windsor Food Quality v. Underwriters of Lloyds etc.
Annotate this CasePlaintiff-appellant Windsor Food Quality Company, Ltd. manufactured Jose Ole frozen food products, using ground beef supplied by Westland/Hallmark Meat Company. In 2008, after a voluntary United States Department of Agriculture (USDA) recall of Westland beef, Windsor made a claim under its Contamination Products Insurance policy issued by defendants-respondents QBE Insurance (Europe) Limited and Underwriters of Lloyds, London. After Lloyds denied coverage on various grounds, Windsor sued for breach of contract and bad faith. The trial court granted Lloyds's summary judgment motion, finding no triable issues of material fact and no coverage. Windsor appealed. Upon review, the Court of Appeal concluded that Windsor could not claim coverage for the recall of Westland's ground beef. The Court agreed with the trial court there were no disputed material facts and no bad faith by Lloyds.
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