Essex Insurance v. Kennedy
Opinion
*368 OPINION OF THE COURT
Because we write for the benefit of the parties, the background of the appeal is not set out.
Appellant Caroline E. Carino (“Carino”) contests an order declaring that the Essex Insurance Company (“EIC”) is not required to defend or indemnify its insured, Jay S., Inc. (“JSI”), in a civil action filed in state court by Carino. The District Court granted EIC’s motion for summary judgment on the basis that Carino’s claim fell within a policy exclusion entitled Assault and Battery. Carino argues that the exclusion does not apply because it was not signed and that her complaint presents triable issues that preclude the granting of a motion for summary judgment. We affirm.
Our review of a grant of summary judgment is de novo. Goosby v. Johnson & Johnson Medical, Inc., 228 F.3d 313, 318 (3d Cir. 2000). Summary judgment is appropriate if there are no genuine issues of material fact, and the moving party is entitled to judgment as a matter of law. Saldana v. Kmart Corp., 260 F.3d 228, 231-32 (3d Cir. 2001). Under Pennsylvania law, “[a]n insurer has a duty to indemnify its insured only if it is established that the insured’s damages are actually within the policy coverage.” Lucker Mfg. v. The Home Ins. Co., 23 F.3d 808, 821 (3d Cir. 1994). Similarly, an insurer’s obligation to defend its insured ends once it learns of facts sufficient to exclude the claims of liability from the policy’s coverage. Id. at 813. Interpretation of an insurance contract is a question of law for the court. Reliance Ins. Co. v. Moessner, 121 F.3d 895, 900 (3d Cir. 1997) (citing Standard Venetian Blind Co. v. American Empire Ins. Co., 503 Pa. 300, 469 A.2d 563, 566 (Pa. 1983)). Accordingly, if there are no facts in the complaint that would support the inclusion of a claim within the policy’s coverage, summary judgment is appropriate.
Carino’s contention that the Assault and Battery exclusion does not apply because it appears in an unsigned addendum is unfounded. The declaration pages, which are signed, incorporate by reference the endorsement containing the Assault and Battery exclusion. App. 39.
Carino’s second argument, that her complaint in state court seeks redress for injuries other than those she received as a result of an assault and battery, is not borne out by the language of her complaint. The complaint alleges that “[a]s a direct and proximate result of Defendant’s negligence, Plaintiff was savagely assaulted and battered, causing serious bodily injury, which damages are in excess of Fifty Thousand ($50,000) Dollars.” App. 15, 19. This language supports no reasonable interpretation other than the conclusion that Carino’s claims for redress arose from an assault and battery.
For the foregoing reasons, we will affirm the order of the District Court dated April 24, 2001.
Reference
- Full Case Name
- ESSEX INSURANCE COMPANY, v. Brian KENNEDY, Et Al., Caroline E. Carino, Appellant
- Status
- Unpublished