Archive for the ‘Certificate of Insurance’ Category

Don’t Believe the Type – No Liability Coverage for Event Production Company Despite Contrary Insurance Certificate (LA)

August 4, 2015

Daniels v. SMG Crystal, LLC (Louisiana)

This case revolves around the 2005 Essence Festival held at the Louisiana Superdome in New Orleans. An attendee of the event slipped and fell on an unknown substance at the Superdome, suffering personal injury.  She filed a lawsuit against government entities, the Superdome manager, the festival organizer, and a production company hired by the organizer to produce the festival.  The government entities and the Superdome manager filed cross-complaints against the festival organizer and the production company seeking defense and indemnity protection.  The organizer filed a cross complaint against the production company and its commercial general liability (“CGL”) insurer.  The insurer eventually filed a motion for summary judgment on the grounds that it did not owe a duty to defend or indemnify any of the parties under the CGL policy.  The District Court initially denied the motion, but later granted the insurer’s motion for a new trial and for summary judgment.  Appeals followed.  On appeal, the Court of Appeal of Louisiana vacated the District Court decision and remanded the matter.  On remand, the District Court granted the insurer’s motion for summary judgment against the injured attendee and the production company on the issue of insurance coverage, and it dismissed all the claims against the insurer.  The production company appealed again. (more…)