Wilson v. USI Ins. Serv. LLC

57 F.4th 131

Rhonda H. WILSON; The Law Offices of Rhonda Hill Wilson, P.C., Appellants

v.USI INSURANCE SERVICE LLC; Hartford Casualty Insurance Company

Toppers Salon & Health Spa, Inc., Appellant

v.Travelers Property Casualty Company of America

4431, Inc. ; 4431 Assoc., LP; 3354 Walbert Assoc., LP; 3354 Walbert Avenue Associates, LLC; Blue Grille House and Wine Bar; 4131 Associates Candlelight Inn; 2960 Center Valley Parkway, LLC; 3739 West Chester Pike, LLC ; Melt Restaurant Group, LLC; Paxos Restaurants, Inc. ; Melt Real Estate Group, LP; Top Cut Steakhouse, Appellants

v.Cincinnati Insurance Companies ; Cincinnati Insurance Company ; Cincinnati Casualty Company; Cincinnati Indemnity Company

LH Dining L.L.C., d/b/a River Twice Restaurant, Appellant

v.Admiral Indemnity Company

Newchops Restaurant Comcast LLC, d/b/a Chops, Appellant

v.Admiral Indemnity Company

Boulevard Carroll Entertainment Group, Inc., Appellant

v.Fireman's Fund Insurance Company

Adrian Moody; Robin Jones, d/b/a Moody Jones Gallery, Appellants

v.Twin City Fire Insurance Company

ATCM Optical, Inc.; Omega Optical, Inc. ; Omega Optical at Comcast Center LLC, d/b/a Omega Optical, Appellants

v.Twin City Fire Insurance Company

1 S.A.N.T., Inc., Appellant

v.National Fire & Marine Insurance Company

Independence Restaurant Group, LLC on behalf of itself and all others similarly situated d/b/a Independence Beer Garden, Appellant

v.Certain Underwriters at Lloyd's, London

Ultimate Hearing Solutions II, LLC; Ultimate Hearing Solutions III, LLC; Ultimate Hearing Solutions IV, LLC; Ultimate Hearing Solutions V, LLC; Ultimate Hearing Solutions VI, LLC, Appellants

v.Twin City Fire Insurance Company

Whiskey Flats Inc., t/a Out of Wack Jack's Bar & Grill, Appellant

v.Axis Insurance Company

The Eye Care Center of New Jersey, PA, on behalf of itself and all others similarly situated, Appellant

v.Twin City Fire Insurance Company

In the Park Savoy Caterers LLC, t/a The Park Savoy ; In the Park Chateau Caterers LLC, on behalf of itself and all others similarly situated, Appellants

v.Selective Insurance Group Inc.; Selective Casualty Insurance Company

No. 20-3124

No. 20-3501

No. 20-3594

No. 21-1038

No. 21-1039

No. 21-1061

No. 21-1106

No. 21-1107

No. 21-1109

No. 21-1175

No. 21-1240

No. 21-1294

No. 21-1315

No. 21-1414

United States Court of Appeals, Third Circuit.

Argued: September 28, 2022

Opinion filed: January 6, 2023

Rhonda H. Wilson, 8 Penn Center, 1628 John F. Kennedy Boulevard, Suite 400, Philadelphia, PA 19103, Counsel for Appellants in No. 20-3124

Daniel J. Dugan [ARGUED], Neal R. Troum, Spector Gadon Rosen & Vinci, 1635 Market Street, 7th Floor, Philadelphia, PA 19103, Counsel for Appellant in No. 20-3501

Robert A. Freedberg, Christian M. Perrucci [ARGUED], Florio Perrucci Steinhardt Cappelli Tipton & Taylor, 91 Larry Holmes Drive, Suite 200, Easton, PA 18042, Counsel for Appellant in No. 20-3594

Walter J. Andrews [ARGUED], Hunton Andrews Kurth, 333 Southeast 2 Avenue, Suite 2400, Miami, FL 33131, Scott P. DeVries, Hunton Andrews Kurth, 50 California Street, Suite 1700, San Francisco, CA 94111, Michael S. Levine, Hunton Andrews Kurth, 2200 Pennsylvania Avenue, N.W., Washington, DC 20037, Elbert Lin, Hunton Andrews Kurth, 951 East Byrd Street, Riverfront Plaza, East Tower, Richmond, VA 23219, John R. Sawyer, Stark & Stark, 993 Lenox Drive, Lawrenceville, NJ 08648, Kevin V. Small, Hunton Andrews Kurth, 200 Park Avenue, 52nd Floor, New York, NY 10166, Counsel for Appellant in No. 21-1061

Laurence S. Berman, Arnold Levin, Daniel C. Levin, Frederick S. Longer, Levin Sedran & Berman, 510 Walnut Street, Suite 500, Philadelphia, PA 19106, Counsel for Appellants in Nos. 21-1106, 21-1107, 21-1038, 21-1039 & 21-1294

Kenneth J. Grunfeld, Golomb Spirt Grunfeld, 1835 Market Street, Suite 2900, Philadelphia, PA 19103, Counsel for Appellants in Nos. 21-1106, 21-1107, 21-1294, 21-1038 & 21-1039

Richard M. Golomb, Golomb Spirt Grunfeld, 1835 Market Street, Suite 2900, Philadelphia, PA 19103, Counsel for Appellants in Nos. 21-1038, 21-1039 & 21-1294

Wilson D. Miles, III, Rachel N. Minder, Beasley Allen Crow Methvin Portis & Miles, 218 Commerce Street, Montgomery, AL 36104, Counsel for Appellant in 21-1294, 21-1106 & 21-1107

Paul W. Evans, Beasley Allen Crow Methvin Portis & Miles, 218 Commerce Street, Montgomery, AL 36104, Counsel for Appellant in 21-1294

R. Bruce Carlson, Carlson Brown, 222 Broad Street, P.O. Box 242, Sewickley, PA 15143, Ted A. Hages, Matthew Louik, James C. Martin [ARGUED], Devin M. Misour, George L. Stewart, II, Colin E. Wrabley Reed Smith, 225 Fifth Avenue, Suite 1200, Pittsburgh, PA 15222, Kelly K. Iverson, Gary F. Lynch, Lynch Carpenter, 1133 Penn Avenue, 5th Floor, Pittsburgh, PA 15222, Counsel for Appellant in No. 21-1109

Alan M. Feldman, Edward S. Goldis, Daniel J. Mann, Andrew K. Mitnick, Bethany R. Nikitenko, Feldman Shepherd Wohlgelernter Tanner Weinstock & Dodig, 1845 Walnut Street, 21st Floor, Philadelphia, PA 19103, James A. Francis, David A. Searles, John Soumilas, Francis Mailman Soumilas, 1600 Market Street, Suite 2510, Philadelphia, PA 19103, Counsel for Appellant in No. 21-1175

Alan C. Milstein, Sherman Silverstein Kohl Rose & Podolsky, 308 Harper Drive, Suite 200, Eastgate Corporate Center, Moorestown, NJ 08057, Counsel for Appellants in No. 21-1240

James E. Cecchi, Brian F. O'Toole [ARGUED], Lindsey H. Taylor, Carella Byrne Cecchi Olstein Brody & Agnello, 5 Becker Farm Road, Roseland, NJ 07068, Christopher A. Seeger, Seeger Weiss, 55 Challenger Road, 6th Floor, Ridgefield Park, NJ 07660, Counsel for Appellants in Nos. 21-1414 & 21-1315

Paul J. Geller, Robbins Geller Rudman & Dowd, 120 East Palmetto Park Road, Suite 500, Boca Raton, FL 33432, Samuel H. Rudman, Robbins Geller Rudman & Dowd, 58 South Service Road, Suite 200, Melville, NY 11747, Counsel for Appellant in No. 21-1315

Bethany Barrese, Saxe Doernberger & Vita, 233 Mount Airy Road, Basking Ridge, NJ 07920, Brian J. Clifford, Janie A. Eddy, Saxe Doernberger & Vita, 35 Nutmeg Drive, Suite 140, Trumbull, CT 06611, Gregory D. Podolak, Saxe Doernberger & Vita, 999 Vanderbilt Beach Road, Suite 603, Naples, FL 34108, Counsel for Amicus Appellant Saxe Doernberger & Vita PC

Gabriel K. Gillett, Jenner & Block, 353 North Clark Street, Suite 4500, Chicago, IL 60654, Counsel for Amici Appellants Pennsylvania Restaurant & Lodging Association and Restaurant Law Center in Nos. 20-3124, 21-1038, 21-1039, 21-1106, 21-1107, 21-1109, 21-1175, 21-1240 & 21-1294

Lisa M. Campisi, Blank Rome, 1271 Avenue of the Americas, New York, NY 10020, Charles A. Fitzpatrick, IV, Blank Rome, 130 North 18th Street, One Logan Square, Philadelphia, PA, 19103, Counsel for Amicus Appellant United Policyholders Nos. 21-1038, 21-1039, 21-1106, 21-1107, 21-1109 & 21-1294

Nicholas M. Insua, Reed Smith, 599 Lexington Avenue, 22nd Floor, New York, NY 10022, Counsel for Amicus Appellant United Policyholders in No. 21-1061

Christopher P. Leise, White & Williams, 457 Haddonfield Road, Liberty View, Suite 400, Cherry Hill, NJ 08002, Marc L. Penchansky, White & Williams, 1650 Market Street, One Liberty Place, Suite 1800, Philadelphia, PA 19103, Counsel for Appellee USI Insurance Services LLC in No. 20-3124

Wystan M. Ackerman, J. Tyler Butts, Gregory P. Varga, Robinson & Cole, 280 Trumbull Street, One Commercial Plaza, Hartford, CT 06103, Counsel for Appellee in No. 20-3501

Richard D. Gable, Jr., Butler Weihmuller Katz Craig, 1818 Market Street, Suite 2740, Philadelphia, PA 19103, Counsel for Appellee in Nos. 20-3501, 21-1106, 21-1107 & Appellee Hartford Casualty Insurance Company in No. 20-3124

Jonathan M. Freiman, David R. Roth [ARGUED], Wiggin & Dana, One Century Tower, 265 Church Street, New Haven, CT 06510, Counsel for Appellee in Nos. 21-1240, 21-1106, 21-1107, 21-1315 & Appellee Hartford Casualty Insurance Company in No. 20-3124

Sarah D. Gordon, Steptoe & Johnson, 1330 Connecticut Avenue, N.W., Washington, DC 20036, Counsel for Appellee in Nos. 21-1315, No. 21-1240, 21-1106, 21-1107 & Appellee Hartford Casualty Insurance Company in No. 20-3124

James L. Brochin, Steptoe & Johnson, 1114 Avenue of the Americas, 35th Floor, New York, NY 10036, Ryan M. Chabot, Alan E. Schoenfeld, Wilmer Cutler Pickering Hale & Dorr, 7 World Trade Center, 250 Greenwich Street, New York, NY 10007, Counsel for Appellee in No. 21-1315

John J. Kavanagh, Steptoe & Johnson, 1330 Connecticut Avenue, N.W., Washington, DC 20036, Counsel for Appellee in Nos. 21-1106, 21-1107, 21-1240 & Appellee Hartford Casualty Insurance Company in No. 20-3124

Caitlin R. Tharp, Steptoe & Johnson, 1330 Connecticut Avenue, N.W., Washington, DC 20036, Counsel for Appellee in No. 21-1240

Alan I. Becker, Daniel G. Litchfield, Laurence J. W. Tooth, Litchfield Cavo, 303 West Madison Street, Suite 303, Chicago, IL 60606, Counsel for Appellees in No. 20-3594

Eric A. Fitzgerald, Hillary Ladov, McAngus Goudelock & Courie, P.O. Box 12519, Columbia, SC 29211, Antonia B. Ianniello, John F. O'Connor, Jr., Steptoe & Johnson, 1330 Connecticut Avenue, N.W., Washington, DC 20036, Counsel for Appellees in Nos. 21-1038 & 21-1039

Michael D. Hynes, DLA Piper, 1251 Avenue of the Americas, 27th Floor, New York, NY 10020, Brett D. Solberg, DLA Piper, 845 Texas Avenue, Suite 3800, Houston, TX 77002, Counsel for Appellee in No. 21-1061

Robert L. Byer, Julie S. Greenberg, Duane Morris, 625 Liberty Avenue, Suite 1000, Pittsburgh, PA 15222, Damon Vocke, Duane Morris, 1540 Broadway, New York, NY 10036, Counsel for Appellee in No. 21-1109

Fred L. Alvarez, David E. Walker, Walker Wilcox Matousek, One North Franklin Street, Suite 3200, Chicago, IL 60606, Paul L. Fields, Jr., Fields Howell, 665 8th Street, N.W., Atlanta, GA 30318, Marc R. Kamin, Michael J. Smith, Stewart Smith, 300 Conshohocken State Road, 300 Four Falls Corporate Center, Suite 670, West Conshohocken, PA 19428, Gregory L. Mast, Fields Howell, 665 8th Street, N.W., Atlanta, GA 30318, Counsel for Appellee in No. 21-1175

Michael E. DiFebbo, Jr., Elizabeth A. Sutton, Kennedys CMK, 1600 Market Street,...