Allied World Specialty Insurance Company, Formerly Known as Darwin National Assurance Company v. Hon. Thomas D. Wingate

CourtKentucky Supreme Court
DecidedDecember 18, 2025
Docket2025-SC-0126
StatusUnpublished

This text of Allied World Specialty Insurance Company, Formerly Known as Darwin National Assurance Company v. Hon. Thomas D. Wingate (Allied World Specialty Insurance Company, Formerly Known as Darwin National Assurance Company v. Hon. Thomas D. Wingate) is published on Counsel Stack Legal Research, covering Kentucky Supreme Court primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

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Allied World Specialty Insurance Company, Formerly Known as Darwin National Assurance Company v. Hon. Thomas D. Wingate, (Ky. 2025).

Opinion

IMPORTANT NOTICE NOT TO BE PUBLISHED OPINION

THIS OPINION IS DESIGNATED “NOT TO BE PUBLISHED.” PURSUANT TO THE RULES OF CIVIL PROCEDURE PROMULGATED BY THE SUPREME COURT, RAP 40(D), THIS OPINION IS NOT TO BE PUBLISHED AND SHALL NOT BE CITED OR USED AS BINDING PRECEDENT IN ANY OTHER CASE IN ANY COURT OF THIS STATE; HOWEVER, UNPUBLISHED KENTUCKY APPELLATE DECISIONS, RENDERED AFTER JANUARY 1, 2003, MAY BE CITED FOR CONSIDERATION BY THE COURT IF THERE IS NO PUBLISHED OPINION THAT WOULD ADEQUATELY ADDRESS THE ISSUE BEFORE THE COURT. OPINIONS CITED FOR CONSIDERATION BY THE COURT SHALL BE SET OUT AS AN UNPUBLISHED DECISION IN THE FILED DOCUMENT AND A COPY OF THE ENTIRE DECISION SHALL BE TENDERED ALONG WITH THE DOCUMENT TO THE COURT AND ALL PARTIES TO THE ACTION. RENDERED: DECEMBER 18, 2025 NOT TO BE PUBLISHED

Supreme Court of Kentucky 2025-SC-0126-MR

ALLIED WORLD SPECIALTY APPELLANT INSURANCE COMPANY, FORMERLY KNOWN AS DARWIN NATIONAL ASSURANCE COMPANY

ON APPEAL FROM COURT OF APPEALS V. NO. 2024-CA-1068 FRANKLIN CIRCUIT COURT NO. 16-CI-00446

HONORABLE THOMAS D. WINGATE, APPELLEE JUDGE, FRANKLIN CIRCUIT COURT

AND

BOARD OF REGENTS OF KENTUCKY REAL PARTY IN INTEREST / STATE UNIVERSITY AND KENTUCKY APPELLEES STATE UNIVERSITY

MEMORANDUM OPINION OF THE COURT AFFIRMING IN PART, REVERSING IN PART, & REMANDING

Allied World Specialty Insurance (“Allied World”) appeals from the Court

of Appeals’ denial of its petition for a writ of prohibition to prevent Judge

Thomas Wingate of the Franklin Circuit Court from enforcing specific discovery

orders. After a thorough review of the record presented and the applicable law,

we affirm in part, reverse in part, and remand. FACTUAL & PROCEDURAL BACKGROUND

In 2012, Appellant Allied World issued an employment practices liability

insurance policy to Real Party in Interest Kentucky State University (“KSU”).

The policy was later renewed to cover claims made and reported through July

1, 2015.

On April 27, 2016, former KSU employee Sirrethia Fox filed an

employment discrimination lawsuit against KSU (the “Fox Suit”). KSU sought

coverage from Allied World for the Fox Suit in mid-2018. 1 Allied World denied

KSU’s claim because it was made outside the period covered by the policy.

Notably, however, the policy also included a provision that a claim

reported outside the period covered by the policy would nonetheless be deemed

timely if it related to an earlier timely claim. KSU contended its claim fell

within this provision because it related to an earlier timely claim filed regarding

another former employee, Stephanie Bastin. Allied World considered KSU’s

position, consulted with outside counsel, and ultimately determined that the

two claims were not “related.” Allied World therefore continued to deny

coverage because it deemed KSU’s claim for coverage on the Fox Suit untimely.

It was later judicially determined however that the two claims were

unequivocally related.

KSU then filed a third-party complaint against Allied World in October

2018. KSU sought a declaration that the policy obligated Allied World to

1 The reason for KSU’s delay in presenting the Fox Claim to Allied World is not

apparent from the record. 2 provide coverage for KSU’s liability to Fox, which KSU had settled shortly after

filing its third-party complaint. KSU also stated bad-faith claims against Allied

World for its refusal to provide coverage.

The Franklin Circuit Court bifurcated the coverage and bad-faith claims.

With regard to coverage, the trial court concluded that the Fox and Bastin

matters were related, and that KSU’s claim for coverage on the Fox Suit was

therefore timely and covered under the policy. Allied World appealed, the

Court of Appeals affirmed, and we denied discretionary review. See Allied

World Spec. Ins. Co. v. Bd. of Regents of Ky. State Univ., No. 2020-CA-1166-MR,

2021 WL 4805254 (Ky. App. Oct. 15, 2021). Allied World then paid KSU in full

for the settlement KSU had paid to Fox.

With the coverage issue resolved, the parties returned to litigation of

KSU’s bad-faith claim. In discovery, KSU propounded in relevant part the

following discovery requests:

Interrogatory No. 3: Please identify and describe every communication between [Allied World] and [KSU] that relates to the subject insurance claim.

Interrogatory No. 4: Please identify every communication between [Allied World] and any of [its] employees, or between any of [its] employees, independent contractors, independent adjusters, or attorneys, related to the instant case and the subsequent claim made against [Allied World] by KSU.

Request for Production No. 2: Any and all correspondence or communications between [Allied World] or anyone acting on [its] behalf, relating to KSU’s claim, if not contained in the claim file.

Request for Production No. 3: A complete copy of [Allied World’s] claim file, [its] home office file, and any other files, correspondence, notes, electronic media, electronic

3 communications, diary notes, which pertain in any way to KSU’s claim. This request includes all correspondence with any attorneys. If you object to producing communications on the basis of attorney-client privilege, then please produce a privilege log stating the date of the communication, the general topic of the communication and the reason for your objection to producing.

KSU also propounded requests for production seeking personnel records for

certain Allied World employees for the prior ten years.

In response, Allied World produced its outside coverage counsel’s file,

asserting it was doing so under a “partial waiver of attorney-client privilege only

to communications between those attorneys and Allied World regarding

coverage of the Fox insurance claim.” However, Allied World declined to

produce any claims-handling documents post-dating KSU’s filing of its bad-

faith claim against Allied World.

Allied World moved for summary judgment. KSU responded that

summary judgment would be premature because discovery was ongoing, and

also sought an order compelling Allied World to correct alleged deficiencies in

its discovery responses. The trial court denied the summary judgment motion

and granted KSU’s motion to compel. Allied World then provided a

supplemental production of documents to KSU, along with a privilege log

identifying withheld documents and the individuals, dates, and subject or

content for those documents.

KSU filed another motion to compel, again contending that Allied World

had not fully responded to pending discovery requests. More particularly, KSU

pointed to two categories of documents that Allied World had failed to produce.

4 First, KSU sought communications and other documents pertaining to KSU’s

claim through the date the claim was paid in March 2022. Allied World

responded that it had already produced all such documents created before it

was served with KSU’s third-party complaint, and that documents created after

that date were not discoverable and in many cases also privileged. However the

privilege log that Allied World had provided to KSU was not provided to the trial

court in connection with the discovery dispute.

Second, KSU sought the personnel files of a number of Allied World

employees. Allied World responded that it had produced the performance

reviews for certain employees, and that the personnel files of the remaining

employees were irrelevant because those employees were not involved in

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Allied World Specialty Insurance Company, Formerly Known as Darwin National Assurance Company v. Hon. Thomas D. Wingate, Counsel Stack Legal Research, https://law.counselstack.com/opinion/allied-world-specialty-insurance-company-formerly-known-as-darwin-national-ky-2025.