Atlantic Casualty Insurance Company v. LTA Distributor, LLC et al, No. 1:2014cv22788 - Document 56 (S.D. Fla. 2015)

Court Description: ORDER granting 40 Motion for Summary Judgment; denying as moot 38 Motion for Summary Judgment. Closing Case. Motions Terminated: 38 MOTION for Summary Judgment filed by Atlantic Casualty Insurance Company, 40 Corrected MOTION for Summary Judgment filed by Atlantic Casualty Insurance Company, 55 Defendant's MOTION to Amend/Correct 19 Scheduling Order, Order Referring Case to Judge,,,, filed by Brian Payne, Luvisca D Payne, 50 MOTION to Adopt/Join 49 Response in Opposition to Motion filed by Gluri Investment, Inc., LTA Distributor, LLC.. Signed by Judge Patricia A. Seitz on 6/1/2015. (cqs) NOTICE: If there are sealed documents in this case, they may be unsealed after 1 year or as directed by Court Order, unless they have been designated to be permanently sealed. See Local Rule 5.4 and Administrative Order 2014-69.

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Atlantic Casualty Insurance Company v. LTA Distributor, LLC et al Doc. 56 UN I TED STATES D I STRI COU RT CT SOU TH ERN D I STRI OF FLORI A CT D CA SE N O .1 22788- - TZ/ RN O FF 4CV SE1 TU A TLAN TI CA SUA LTY W SU RAN CE CO M PAN Y , C Pl n if aitf , LTA DISTRI TO R,LLC,ET AL. BU , Def nda s e nt . O RD ER G R AN TI G M O TI N FO R SU M M A R Y JUD G M E N T N O TH I m a t ri be or t Cour on Pl i if s Cor e t d M oton f Fi lSum m a y S te s f e he t a ntf ' rce i or na r J udgme g 40 , e nt LTA Diti or LLC a Glr l sme s I ' Re pons , nt DE- j Defnda s srbut , nd u i nve t nt, nc.s s el Dee nt Alxa ra Pa sRe po eg 49 ,a Pli ifsrplesg 51& 54J fnda s e nde nd yne' s ns DE- ) nd antf' e i DE. P an ifs e sad caao yj d me t e lrngt a i i u a c p lc d e n tp o d litf e k e lrt r u g n d cai h t t ns rn e oiy o s o rvie s c r e oradut t de e De e nt LTA Diti or LLC a o Glr l t e s I f ove ag y o f nd f nda s srbut , nd/ r u i nvesm nt , nc. or t l w s tbr he a ui oughtag ns t s D e e ai t he e f ndan s b D e e nt St ve A l nde ,Luvi ca D . t y f nda s e n exa r s Pa yne,a Bra R .Pa a t r ul ofa a o obie a i n t toc ur ed on Sept m be 1 nd i n yne s he es t n ut m l cc de t ha c r e r 9, 201 Be us t ac i ntf l s r l w ihi t polc ati s sPr 0. ca e he c de als qua e y t n he i y s ue' oduc s co pl t d t- m e e Ope ainsHa r Excl i Pl ntf' moton f s r to zad uson, ai ifs i or ummayj menti gr nt r udg s a ed. l e e nt LTA D i t i ut ,LLC a Gl il s m e s l ' r s D f nda s sr b or nd ur nve t nt , nc.s e pons i untm el e s i y. The Cour t i de ed t i r que tf a e e i f f iur t c pl w ih t Loc Rul t w ce ni he r e s or n xt ns on or a l e o om y t he al es a t s a e a r a on f t e e i Thes t De e nt i no ed t Cour ' or r a nd o t t ny e s or he xt ns on. e wo f nda s g r he ts de s nd tl d t rr s ie hei e pons t Pl ntf' M oton f Fi lSumm a y J m e a trt Aprl7 201 e o ai ifs i or na r udg nt fe he i , 5 Cour i pos d de i Unde s h c r um s a est Cour us l w oul sr ke s h a l t t m e adlne. r uc ic t nc he t ualy d t i uc a e fl d doc e . H ow e r gi n t ti doe no c nge t out om e t Cour w ill t ie um nt ve , ve ha t s t ha he c , he t l et he r pons r m an. Couns i on notc howe r t ts h blt ntdir ga d ofCour or r c n es e e i el s ie, ve , ha uc a a s e r t de s a a w ill d t s h s ncto i t f u e nd l ea o uc a i ns n he ut r . Dockets.Justia.com 1. Undi ed M ateri Facts sput al z Pl i ifi a i ur nce c pa t ti s d a Com m e c alG e r Li biiy l ur nc a ntf s n ns a om ny ha s ue ri ne al a lt ns a e polc t D e e ntLTA D i t i or LLC, ng bus ne s a N e Li e Ti e , unde whih i y o f nda sr but , doi i s s w f rs r c De e ntGl il t e s l m a bea i ur 3 Thepolc c ansa e l i n whi h f nda ur nvesm nt , nc. y n ns ed. i y ont i n xc uso c s a es: tt TH I EN D OR SEM EN T CHAN GES THE POLI . PLEA SE REA D I CA REFULLY . S CY T EX CLU SI -PROD U CTS- M PLETED OPERATI S HA ZA RD ON CO ON Thi e r em e m odi i s i ur nc pr ded unde t f l i s ndo s nt fe ns a e ovi r he olow ng: CO M M ERCI L G EN ERA L LI LI COV ERA GE PA RT. A ABI TY Th si s rn ed e n ta pyt ( o i ij r 'o k r p ryd ma e'i ld dwihn i n u a c o s o p l o s dl n u y' r d o e t a g ' ncu e ti b y p ' t ( oduc s co pl t d ope atonsha r ' he d pr t- m e e r i za d'. ( 33- a 8 ) Therlva lnguag oft Pr t- mpltd Ope ai Ha r clus of DE- 2 t 2. ee nt a e he oducsco ee rtons zad a e t polc r ads he i y e : i oduc s c pl t d ope a i nsha r ' t pr t - om e e r to za d': a . l cu e aléo i ij r'a dt r p ryd ma e' c l rn a yfo prmie n ld s lC dl n u y' n s o e t a g 'o cz ig wa r m e s s b y p r yo own orr nta a i i outofû u e nd r s ng t yourpr oduc ' ort t' d yourw or 'e ep . k' xc t ' Pr oduc st ta e s ili yourphys c lpos es i or t ha r tl n ia s s on; ( 2) W or t tha noty bee c ee ora ndone Howe r t k ha s et n ompltd ba d. ve ,s your w or ' ilbe de e com pl t d a t e r i toft f l i tm es k' w l em d e e t he a les he olow ng i : z he pa te do notdipu e m os oft m a e i lf c si t sca e The e or cia i a e ' r ris s t t he t ra a t n hi s . r f e, t tons r i uded onl w her t parteshave som e di put overt f sand t t s fc l ncl y e he i s e he act o he pecii anguage of t polcy. he i 3 Co r wil on l rfrt LTA Diti t r LLC a dGlr Iv sme t,n . s The u t lj ity ee o srbuo , n uin et nsIc a d ns e . s ur ds ' l ' 2 () a W he aloft wor c ldf i you c rc ha be n n 1 he k ale or n r onta t s e c plt d. om e e W h n a1o t ewo kt b d nea tej bst h sb e c mp ee e 1 f h r o e o t h o ie a e n o ltd i y u c nta tc l f rwok a mo et no ej bst. f o r o rc al o r t r ha n o ie s ( c) W h nta p r o tewo kd n a aj bst h sb e pu t is e h t at fh r o e t o i a e n to t e i e d us by a pe s o or a za i ot rt n a he nt nde e ny r on r g ni ton he ha not r c nr co o s b o ta trwo kn o t es mep oe t o ta t r r u c nr co r ig n h a rj c. W or t tm a nee s wi e, a n e nc ,co r ton,r pa ror k ha y d el c m i t na e r ec i e i r pl c m e ,bu w hi h i o he w i e c pl t ,w ilbe t e t d as e a e nt t c s t r s om e e l rae c pl t d. om e e ( 33- a 7 ) DE- 2 t 6. The polc defne k iy i s d yourpr oduc ' a : t' s s otrpr uc : s l od f' Y a. M eans: () 1 Anygoodsorpr t, hert nr a pr ry,ma a t e s d, oducs ot ha e l ope t nufcurd, ol ha e diti t d ordipos d ofby: ndl d, srbu e s e () a ( b) () c YOu; Ot r ta ngunde yo na ;or he s rdi r ur me A pe s noror niai whos busne sorasesyouha ro ga z tons e is st ve acqui ed;and r Conti r ( he t nve ce) maeral, rsore pme tf nihe i anes ot r ha hils, t i s pat qui n ur s d n c onne ton wih s h goodsorpr ucs ci t uc od t b. l udes ncl () 1 W ar nisorrpr s nai ma a a tmewih rs c t t t s , ra te e e e ttons de t ny i t e pe t o he kne s qua iy,dur biiy, r o m a orus oft lt a lt pe f r nce e i yourpr oduc 5 f' and ' () 2 C. Thepr di oforfiur t pr dewani ori tuci . ovi ng al e o ovi r ngs nsr tons Doesno i ude ve ng m a ne orot pr pe t r nt d t orl t f t t ncl ndi chi s her o ry e e o oca ed or he us ofo he sbutnots d. e t r ol ( 33- a76- ) Unde t poi ,' urwor 'sdetne a : DE- 2 t 77. r he lcy i yo k'i i d s kY ourw or ' d k'' a. M eans: 3 () 1 ( 2) W ok oro rtonspef medbyyouoronyourbe f and r peai ror hal; M aei s parsore pme f nihedi c tral, t qui nt ur s n omwci wihs hwok o ton t uc r r ope a i . r tons b. l udes ncl () 1 W a rnte o rpr s nttonsmadea a tmewihrs ctt t ft s , ra is r e e e ai t ny i t epe o he ine s qua iy,dur biiy, r o m a orus ofi lt a lt pe f r nce e d yourw o k''a r ' nd t pr di oforf iur t pr vi w a ni or i t uc i he ovi ng a l e o o de r ngs ns r tons. ( 3- a 7 ) DE- 32 t 7. LTA Diti or l ownsNe LieTie @ e Lie.Ne Lier c vest a of srbut ,nc. w f rs w f) w f e ei housnds tr s t ta e i pec e Thos tr s t ta e no s t bl f us a s e a e t r w n a a Thos ie ha r ns t d. e ie ha r t uia e or e nd al r h o w y. e tr s t ta e s t bl f us a e ke a us d i N ew Lie' o r tons. The tr a i s i t s ie ha r uia e or e r pt nd e n f s pe a i i e t s ue n hi m a t rwasi pe t a a o f s l by New Lie e pl esaspar ofN e Li e s te ns c ed nd ppr ved or a e f m oye t w f' ope a i ,de pie t f c t ti ha de e t t tm ade i uns t bl f s l The de e t i t t r tons s t he a t ha t d f c s ha t uia e or a e. f c s n ha tr s ul ha be n vii e t t N e Lie e pl e who i pe t d t tr . O n J 1 ie ho d ve e s bl o he w f m oye s ns c e he i e une 8, 201 Luvic Pa ( s Pa )purhasdf rus tr fom New Lie i l ngt 0, s a yne M . yne c e ou ed ies r f, ncudi he de e i etr f M s Pa sve cl Tha s m eda Ne Liei t le t tr son M s f ctv ie or . yne' hi e. t n y, w f nsa ld he ie . Pa ne' vehil Theus tr st tNew Lie s d di noti l a n'itn wa r nt The y s c e. ed ie ha f ol d nc ude ny rte ra y. tr we e s d i s i ' ies r ol s s. a ' On Se e be 1 201 t e mont afe t tr swer pur has d fom and i t l by ptm r 9, 0, hr e hs tr he ie e c e r nsaled N e Lie M s Pa wasdr vi he ve c e on l e s at 75 w he t r g r a tr f ie A sa w f , . yne i ng r hi l nt r t e n he i ht e r ie a l d. r s t M s Pa l tcontolofhe ve c e ca i i t l a t hi a a ove t n. Tw o e ul, . yne os r r hi l us ng t o e ve he ghw y nd rur p s e g r i t v h ce J nel Sa so a dDe o nL. y e we eij rdi ter s lig a s n es n he e il, a le n in n hv h Pa n , r n u e n h eu t n a i nta s e nty di d. The a e r pr s e i t sm a t rby t rpe s cc de nd ubs que l e y r e e ent d n hi te hei r onal rpr e ai s Stve Alxa randLuvic D. ynea Bra R. yne(oi l Cl mans. e esnttve , e n e nde s a Pa nd in Pa j nty, ai t) 4 Subs que l Cl m ant i tat d an a ton ag ns t l ur , w hi h i now i Coli rCoun y e nty, ai s nii e ci ai t he ns eds c s n le t Cic t u t Plitf tldt ss i s e i a u g n d cai ta Plitf ha nod t t ruiCo r. an ifse hi ut e kng j d me t e lrng h t anif s uy o d e ori m niy I ur a a r s toft Se e be 1 2010 a ci nta dec arng t t ef nd nde f ns eds s e ul he pt m r 9, c de nd l i ha t Cl m a s c ai sa ns I ur dsar e l he ai nt ' l m gai t ns e e xc uded f om c r e unde t polc s Pr r ove ag r he i y' oduc s tCo pl t d Ope a i H a a d Exc us o m ee r tons z r l i n. II. 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Andes v fi ry Lobb I .477U. 242, ( 986) HCA He t Sers o ,l a ' ' ron . be t y, nc, S. 247 1 ; alh v . fGa. nc. v Emplye sHe t I .Co.240F. 982,991( 1hCi.2001.Oncet movi pa t . o r alh ns , 3d 1t r ) he ng ry de onsr t t a e ofa ge ne i s ofm at r a f t t non- o ng pa t m us S m e m t a es he bs nce nui s ue e i l ac , he m vi ry tt co f wa dwih dpe ii f ct s or r t s c fc a s howi t tt r i a ge nei s f rti l''M atus t Elc. ng ha he e s nui s ue o ra .' s hia e l .Co.p Zenih Radi Cop.475U. 574,587( 986)( i Fe R.Ci P. e).The ndus . t o r , S. 1 quotng d. v. 56( ) Cour m us vi w t r c d a a lf c ua i e e est r f om i t lg m os f vor bl t t t t e he e or nd 1 a t l nf r nc he e r n he i ht t a a e o he no m ovi pa t and dec de w he he Sthe e d nc pr s nt a s fc e di a ee e t nng r y i t r tt vi e e e e s uf i i nt s gr m nt o rquies s int aj yorwhehe i i s onesde t tonepa t mus prvaiasamatr e r ubmiso o ur t r t s o -i d ha ry t e l te oflw.' Ale v T onFoods I . 1 F. 642,646( 1h Ci 1 ( igAndes 477 a '' ln . ys , nc, 21 3d 1 t r. 997) quotn ron, U. a 25152). 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Contne alI su anceCo.358So.2d851( a 3dDCA 1 ) Sand perCon r tonCo.v i nt n r , Fl. 978 ; pi stuci . l a ntf s US.Fi i drGu ant Co.348 So.2d379( a. DCA 1 .Consequenty,Pli ifi delt y ar y , F1 2d 977) 6 e tte t s mmayj dg n . n ild o u r u me t D es t t c e rFl i l w on t s i s Cl i a s a s tt tt r i an a bi t i pie he l a orda a hi s ue, a m nt s er ha he e s m guiy n t polc Cl m a s a know l dge t tt Pr he i y. ai nt c e ha he oduc s com pl t d Ope a i nsH a r Exc uson tee r to za d l i e l xc udesw or t thasbe c pl t d bu t ta exc pton e s s f w or c l f i a k ha en om e e t ha n e i xi t or k aled or n co r c t tha notbee c nta t ha s n omplt d.Cl mant a s r t tpa toft c r tbewe n Ne ee ai s s e t ha r he ontac t e w Li e a M s Pa r r N e Li e t s l c a pl e a S ppr i t a r as f nd . yne equied w f o e e t nd ac n d opr a e nd e onabl s f a y ae tr on t ve cl ' Cl m a s c e t tt sw or w a ne rc pl t d a t r or , ie he hi e. ai nt ont nd ha hi ' k s ve om e e nd, he ef e c r ge e s sund t polcy bec us i i a e e i t t e l i n. Thi i nota ove a xit er he i a e t s n xc pton o he xc us o ss n a bi t i t polc Thi i a ma trofr di t e iepolc a a whol Unf t ey m guiy n he iy. s s te ea ng he ntr iy s e. orunatl f Cl m ant ,t sa i ton oft f t t t polc i notr s na e. or ai s hi pplca i he ac s o he i y s ea o bl Cl ma sdo notd s et t I ur ss l c e a pl e a tr on t ve ce.Nor ai nt iput hat he ns ed e e t d nd ac d ie he hi l ha Cli a spr e e a e de t twor wasongoi - t tNe Liepl l e t ve am nt es nt d ny vi nce ha k ng ha w f am d o c i t s ec a a opra etr f M s Pa sve ce. Thewor t twast be ontnue o el t n ppr it ie or . yne' hi l k ha o pe f med b Ne Liewa peror e - atr wass l c e a pl c on t ve ce. M s ror y w f s f m d ie e e t d nd a ed he hi l . Pa sve cl lf t j st a t trsweeputt us byM s Pa Ne Lie' wor di yne' hi e e the ob ie nd he ie r o e . yne. w f s k d notcom e w ih a wr te w a t it n nunt a t tr wa s d û i . Thus t wor wasc pl e y nd he ie s ol l s ' as ' , he k om et d buti a ale yne i ntf hi be aus t tr c e b Ne Lie wa neglg l n n lgedl glge as on c e he ie hos n y w f s i enty s l t d. Thi i nott s m e asunc pl t d wor Se A e ot u tCor v Gr da e ec e ss he a om e e k. e r hr s p. . ana I u anceCo. 9 So.2d470, 2- 3( a. DCA 2005)( di t ta alege yi o r ns r , 04 47 7 F1 3d hol ng ha n l dl mpr pe i pec i ofa hoi tt thad oc ur ed fve m o hspr ort t hoi t sf l e f l w ihi t ns ton s ha c r i nt i o he s ' aiur e l t n he c mpltdope ainsha r ofa i u a epolcy,As ocatdElcrcdrGasI u anc o ee r to zad n ns r nc i l' s i e e ti ns r e Sevie ,Id v Houson Oi ( GasCo.552So.2d 111 111 ( a. 1DCA 1 9)( di t t r cs t . t lf , 0, 3 Fl 3c 98 hol ng ha 7 t neg i nts eofpr he lge al opanei a de e tve g t nk f lwihi t c peed ope a i ha r n f c i as a el t n he om t r tons za d ca eofani urnc polc ) Morover t tr wa putt isi e dus -M s Pay dr lus ns a e iy . e ,he ie s o t ntnde e . ne ove o i f t e m o hs Und t t r oft polc wor i de d c n t or hr e nt . er he e ms he i y, k s eme omplt d whe t wor ee n he k d n a aj bst S a b e p t oisitn e us . u , n e tetnnso tep l y t o e t o i é s e n u t t n e d d e' s u d r h e eh 'Th f h oi ,he c l ur ds wor w a c pl t d a f l w ihi t Pr ns e ' k s om e e nd als t n he oduc s com pl t Ope a i Haz r te ed r tons ad Exc uson. Cons ue l Pl ntf ' polc doesnotpr de co r ge f D ef nda s cl m s l i eq nty, ai if s i y ovi ve a or e nt ' ai . Pl ntf ha no d y t def nd ori m niy l ur . ai i f s ut o e nde f ns eds A st f na a bi t a gum e ,t l ur ds w hie a ce i t tt a i nta i s he i l m guiy r nt he ns e , l c ptng ha he cc de t s ue he e f lsw ihi t Pr r a l t n he oduc s com pl t Oper tonsH a r Exc us on,a gue t tt Pr te ed ai za d l i r ha he oduc s t- Compl td Oper tonsHa r Excuson co lc swih t tnn d cure 'c e tng a ee ai za d l i nfit t he e t oc r nce' r a i n a bi t whi m us be r s ve i f m guiy ch t e ol d n avorofl ur . The Pr ns eds oduc s com pl t d Ope a i tee r tons Ha ar Exc uson,howe r doesnotc lc wih t t r S c r e. The tr z d l i ve , onti t t he e m t urenc ' oc ' em d cur e e' i de i d i t polc a ç n ac i nt i l ng c i k oc r nc ' s f ne n he i y s i a c de , nc udi ontnuous orr pea e e e t d xpos e ur t s t nta l t s m e ge r lhar f co to . Thi i a de i t o nota c r e s ton o ubs a i ly he a ne a m ul ndii ns ' ' ss fnii n, ove ag ec i oft polc ThePr t - mplt d Ope a i Ha r Excuso i acove ag pori oft he i y. oduc sco e e r tons za d l in s r e ton he polc whih s c fcal e udesce t n tpe ofa ci nt fom c r ge.Thus t r i no iy, c pe ii ly xcl rai y s c de s r ove a ,he e s c lc . M or onf i t eove ,ot r t n m a ng a g ne a s a e e a r he ha ki e r l t t m nt boutt e s e e ofa c l c , he xi t nc ont i t l u edsha f ie t s ns r ve a l d o how how t t o s to oft polc a t ly c l c o ca e a he w ec i ns he i y c ua l onti t r us n n guiy. Si pl sa i t t ei aco lctora bi t doesnotc ea eo mbi t m y ttng hat her s nti m guiy r t ne. Cons que l t I ur dshav f ie t esabls t tt r i a ge neis ofm ae ilf c e nty, he ns e e a ld o t ih ha he e s nui s ue tra a t t tpr l s ha ecudes ummayj r udgment . 8 l su e ' pe t i D o N otTr n r ds Ex c atons ump t Polc Langu he iy age W hie i i noten i e y c ea f om t i pa r ,i a a st tI ur ds a s a g t ta l ts tr l l r r he r pe s t ppe r ha ns e l o r ue ha polcy e l i m a be def a ed i a (or na y r a ' w o d t nd t l nguag a bi i xc uson y e t f n s di r e der' ul i he a e m guousor i he be i ved t polc co r d t i i nta i s H oweve ,t Fl i Supr m e Cour has f le he i y ve e he nc de t s ue. r he orda e t e p e syrj ce t sd crneo ra o bl e pe tto s De As o i tso o i , n . . x r sl ee td hi o ti f e s na e x cai n . ni s cae fFlrda l c v St eFar Fie( Cas al I r eCo,711So. 11 11 ( a.1 )( di t at m r f u t nsu anc . y 2d 35, 40 Fl 998 hol ng hat t r i no ne f rt dodrnebe us Fl i l w co tue a a guiy i f vorof he e s ed o he i ca e orda a nsr s ny mbi t n a c r ge a t a y t doc r ne t a una bi ove a nd o ppl he t i o n m guouspr vi i ( oul be t r w rt t o s on l w d o e ie he c r c and t ba i u ont a t he s s pon whi h t pr m i s a e c r d' a c n onl l ad t unce t nt c he e um r ha ge ' nd a ye o rai y a unne sar ltgai . Cons que l s nd ce s y ii ton) e nty, ummayj r udgme i a oprae. nt s ppr it A cc di y,i i or ngl t s ORD ER ED t : hat 1 Pli ifsCore tdM oin frFi SummayJ . antf' r ce to o nal r udgme ( 401i GRANTED. nt DE- s 2.Pli ifsM otonf Fi Summa yJ antf i or nal r udgme g 38qi DENI asmoo . nt DE- s ED t 3.Th Co r wil n e aspaaefn lu g n . e u t l e tr e rt ia j d me t 4. A l pe ng m o i noto he w i e nled u l ndi tons t r s l pon a e DEN I asm oo . r ED t 5. Thi case i CLOSED . s s DONEa dORDERED i MimiFlrd ,hs / d yo J n 01 n n a , oia ti a fue 5 . PATRI I A .SEI A T UN I TED STA TES DISTRI J D G E CT U CC* . Al CounselofRecor l d 9

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