Ainsworth v. Chandler and Chandler Electric Company, Chandler v. Concord Group Insurance Company and Campbell & Boyd Insurance Services

2014 VT 107, 197 Vt. 541
CourtSupreme Court of Vermont
DecidedAugust 29, 2014
Docket2013-084 & 2013-209
StatusPublished
Cited by17 cases

This text of 2014 VT 107 (Ainsworth v. Chandler and Chandler Electric Company, Chandler v. Concord Group Insurance Company and Campbell & Boyd Insurance Services) is published on Counsel Stack Legal Research, covering Supreme Court of Vermont primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Ainsworth v. Chandler and Chandler Electric Company, Chandler v. Concord Group Insurance Company and Campbell & Boyd Insurance Services, 2014 VT 107, 197 Vt. 541 (Vt. 2014).

Opinion

Reiber, C.J.

¶ 1. These consolidated cases stem from alleged injuries suffered by plaintiff Faye Ainsworth while she was at defendant Charles Chandler’s business, Chandler Electric. Plaintiff filed suit, claiming that she was injured when she tripped on a coil of wires that had been placed in the stairway. Defendant filed suit against his insurer, Concord Insurance Group (insurer), arguing that insurer had wrongfully and in bad faith failed to provide adequate coverage for the claim. Insurer filed a counterclaim seeking a declaration of noncoverage. The court granted summary judgment to defendant, concluding that plaintiff was a social guest *543 of defendant at the time of her visit, that the duty of care defendant owed her was the lesser duty applicable to licensees under Vermont law, as contrasted with that owed to business invitees, and that defendant did not breach this duty. The trial court also granted summary judgment to insurer, on the basis that the underlying personal injury action had beep dismissed and therefore no coverage was owed.

¶ 2. On appeal, plaintiff and defendant both contest the court’s order granting summary judgment in favor of defendant, and defendant contests the order granting summary judgment in favor of insurer. For the following reasons, we affirm with respect to defendant’s motion to disqualify the trial judge, but reverse with respect to plaintiff’s suit and reverse and remand for further proceedings with respect to defendant’s claim against insurer and insurer’s counterclaim for declaration of noncoverage.

¶ 3. We begin with the court’s ruling on insurer’s summary judgment motion. On appeal from a court’s decision to grant summary judgment, “[i]n reviewing the facts, we give the non-moving party . . . the benefit of all reasonable doubts and inferences.” Buxton v. Springfield Lodge No. 679, 2014 VT 52, ¶ 2, 196 Vt. 486, 99 A.3d 171 (quotations omitted). The incident giving rise to these lawsuits occurred on May 17, 2009, while plaintiff was at defendant’s business, Chandler Electric. At the time of the alleged injury, plaintiff had been dating defendant for six years. She later married him in 2010. 1 According to plaintiffs and defendant’s depositions, plaintiff stated that her purpose that day was “just a visit” to her boyfriend, the defendant. Defendant understood that plaintiff “came there because I was dating her.” There were no other people in the building at the time. Upon entering the building, plaintiff “came up to [defendant’s] office to say hello to [him].” Accordingly, plaintiff proceeded up a short flight of stairs to a landing, and then ascended a longer set of stairs leading to defendant’s office. Neither party disputes that there were coils of wire stacked near the lower set of stairs, but that nothing protruded into the stairway itself at that time.

¶ 4. After visiting with defendant, plaintiff and defendant left defendant’s office together, with plaintiff leading the way. Plaintiff walked down the longer set of stairs, but upon reaching the *544 bottom of the second set of stairs, she tripped and fell to the ground. Plaintiff claims that the coil of wire previously stacked to the right of the stairs “caught [her] ankle” when she fell down. She stated that, although she saw nothing on the stairwell steps when she looked back at the stairs immediately after falling, she did see a wire protruding into the stairwell space from the spools sitting to the side of the stairwell. She claims to have sustained severe and permanent injuries as a result of the incident, including partial blindness, a severe ankle sprain, scrapes and bruises, and a fractured tooth.

¶ 5. The procedural history of the ensuing lawsuit is noteworthy. On March 22, 2010 — more than four months before plaintiff filed her personal injury lawsuit on August 4, 2010 — defendant filed a lawsuit against his insurer, claiming that it breached the terms of defendant’s liability policy by not awarding plaintiff over one million dollars in compensation. Defendant claimed millions of dollars in damages for insurer’s alleged conduct, including more than one million dollars “for the monetary compensation that he will most likely have to pay [plaintiff] and her attorney as a result of [the insurer’s] unlawful delay and denial of this claim.” In its answer to defendant’s complaint, the insurer denied all of the allegations and counterclaimed for a declaration of noncoverage.

¶ 6. On August 4, 2010, plaintiff filed the instant action, seeking over two million dollars in damages. Defendant answered the complaint by admitting the factual allegations and conceding liability. Upon learning of the lawsuit and defendant’s admissions, insurer successfully moved to intervene to defend its interests. Insurer later filed a motion for summary judgment on the grounds that plaintiff’s claims fail as a matter of law. It argued that because plaintiff was a social guest at the time of the incident, defendant’s duty of care only required disclosure of dangerous conditions known to him, which he did not breach. In her response to insurer’s summary judgment motion, plaintiff claimed that she was a “[g]uest and [c]ustomer” of defendant, that insurer’s sales agent testified on deposition that there was a lot of debris around the stairway of defendant’s business, and that the state had issued “violation notes” after visiting the business premises in 2005. On February 21, 2013, the trial court granted insurer’s motion for summary judgment against plaintiff. Defendant’s lawsuit against insurer was subsequently dismissed as moot on May 13, 2013.

*545 ¶ 7. On appeal, plaintiff contends that the trial court erred in holding that she was a social guest, and that defendant did not breach his duty of care to her. Defendant argues that because the court erred in granting summary judgment in the underlying suit, the court incorrectly granted insurer’s motion for summary judgment on mootness grounds.

¶ 8. We review the trial court’s decision using the same standard as the trial court. Sobel v. City of Rutland, 2012 VT 84, ¶ 12, 192 Vt. 538, 60 A.3d 625. ‘We will affirm if there is no genuine issue of material fact and the moving party is entitled to judgment as a matter of law.” Id.; see also V.R.C.P. 56(a). Although the court must view the pleadings and affidavits in the light most favorable to the nonmoving party, Beebe v. Eisemann, 2012 VT 40, ¶ 3, 192 Vt. 613, 49 A.3d 160 (mem.), the nonmovant bears “the burden of submitting credible documentary evidence or affidavits sufficient to rebut the evidence of the moving party.” Endres v. Endres, 2008 VT 124, ¶ 10, 185 Vt. 63, 968 A.2d 336.

¶ 9. We begin with plaintiffs claim that the court wrongfully found that she was á social guest rather than a business invitee. The trial court applied Vermont’s traditional common law standard of care in premises liability, which distinguished between business invitees and licensees, or social guests. See Farnham v. Inland Sea Resort Props., Inc., 2003 VT 23, ¶ 9, 175 Vt. 500, 824 A.2d 554 (mem.). Under the common law, a possessor of land owed a business invitee a duty to use “reasonable care ...

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Bluebook (online)
2014 VT 107, 197 Vt. 541, Counsel Stack Legal Research, https://law.counselstack.com/opinion/ainsworth-v-chandler-and-chandler-electric-company-chandler-v-concord-vt-2014.