Cruz v. Farmers Insurance

42 F.4th 1205
CourtCourt of Appeals for the Tenth Circuit
DecidedAugust 3, 2022
Docket21-1069
StatusPublished
Cited by24 cases

This text of 42 F.4th 1205 (Cruz v. Farmers Insurance) is published on Counsel Stack Legal Research, covering Court of Appeals for the Tenth Circuit primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Cruz v. Farmers Insurance, 42 F.4th 1205 (10th Cir. 2022).

Opinion

Appellate Case: 21-1069 Document: 010110719735 Date Filed: 08/03/2022 Page: 1 FILED United States Court of Appeals PUBLISH Tenth Circuit

UNITED STATES COURT OF APPEALS August 3, 2022

Christopher M. Wolpert FOR THE TENTH CIRCUIT Clerk of Court _________________________________

MICHAEL CRUZ,

Plaintiff - Appellant,

v. No. 21-1069

FARMERS INSURANCE EXCHANGE; TRUCK INSURANCE EXCHANGE; FIRE INSURANCE EXCHANGE; MID- CENTURY INSURANCE COMPANY; FARMERS NEW WORLD LIFE INSURANCE COMPANY,

Defendants - Appellees. _________________________________

Appeal from the United States District Court for the District of Colorado (D.C. No. 1:19-CV-02337-MEH) _________________________________

Ralph E. Lamar, Allentown, Pennsylvania, for Plaintiff-Appellant.

James R. Holland, II, (Laura Bailey Brown of Fisher & Phillips, LLP, with him on the brief), Kansas City, Missouri, for Defendants-Appellees. _________________________________

Before MORITZ, KELLY, and BRISCOE, Circuit Judges. _________________________________

MORITZ, Circuit Judge. _________________________________

Michael Cruz sued defendants alleging that they terminated his contract, under

which he sold defendants’ insurance products, on the basis of race, in violation of Appellate Case: 21-1069 Document: 010110719735 Date Filed: 08/03/2022 Page: 2

42 U.S.C. § 1981. In support, Cruz relied on a statement allegedly made by his

district manager, which Cruz argued represented direct evidence of discrimination, as

well as circumstantial evidence. The district court granted summary judgment to

defendants, ruling that the district manager’s statement was inadmissible hearsay and

that Cruz’s circumstantial evidence did not otherwise demonstrate discriminatory

intent. Without considering Cruz’s circumstantial evidence, we reverse because the

district manager’s alleged comment was not inadmissible hearsay; it was admissible

under Federal Rule of Evidence 801(d)(2)(D) as a party-opponent admission made by

an agent within the scope of the agency relationship. And because that admission

constitutes direct evidence of discrimination, it precludes summary judgment for

defendants.

Background

Cruz, a Hispanic man of Mexican-American heritage, brought this action against

Farmers Insurance Exchange, Truck Insurance Exchange, Fire Insurance Exchange, Mid-

Century Insurance Company, and Farmers New World Life Insurance Company

(collectively, Farmers). For over 30 years, Cruz sold Farmers insurance policies as an

independent contractor under an Agency Appointment Agreement, which we refer to here

simply as the contract. Although Farmers classifies insurance agents as independent

contractors, it maintains a hierarchy of managers who are responsible for certain

geographic regions: Territory managers oversee area sales managers. And area sales

managers oversee district managers, who in turn oversee insurance agents within their

2 Appellate Case: 21-1069 Document: 010110719735 Date Filed: 08/03/2022 Page: 3

divisions. Farmers classifies district managers as independent contractors, but area sales

managers and territory managers are employees.

The events leading to Cruz’s lawsuit began in January 2017 when Dan French, a

local resident, called Cruz’s office and asked to be removed from Farmers’ mailing list.

According to Cruz, French was rude and disrespectful, leading Cruz to hang up the

phone. French called back, and Cruz hung up again. After the calls, French located Roy

Smith, a top Farmers executive, on LinkedIn and messaged him to complain that Cruz

was unprofessional. Smith forwarded the complaint, which was eventually sent to Todd

Brooks, a territory manager. Brooks asked Curt Elsbury, an area sales manager, and Clint

Sales, a district manager, to investigate and resolve the issue. To begin the investigation,

Sales emailed Cruz to arrange a phone call to discuss the incident. Sales stated in his

email that he would need to report back to Brooks the next morning.

Meanwhile, French called back a third time when Cruz was out of the office. This

time, French spoke to Kandace Diekman, Cruz’s wife and office assistant. According to

Diekman, French was “raging,” “belligerent,” and “screaming.” App. vol. 2, 242, 244.

She testified that French said, “I’ve already called twice, and nobody’s helping me stop

this mail, and being as you’re not going to fix it, I’m going to come down to the office

and fix it.” Id. at 242. Diekman hung up after French called her profane names and

refused to calm down.

Shortly after, Diekman called Sales to inform him about the call. Sales asked

Diekman to send him an email describing what happened. Relevant to this appeal,

Diekman wrote the following sentence at the end of the email: “I’m not afraid[,] and we

3 Appellate Case: 21-1069 Document: 010110719735 Date Filed: 08/03/2022 Page: 4

are going to be open[;] I carry[,] and if I feel threatened[,] I will blow a hole in him the

size of Uganda.”1 Id. at 285.

Sales continued to investigate, asking Cruz and Diekman to send a timeline of

events and telling them he would need to send the information to the territory office. Cruz

provided Sales with a timeline, and Sales spoke with Cruz and Diekman multiple times

regarding the incident. Based on the information Sales gathered, he emailed Brooks and

Elsbury to summarize the incident.

Elsbury then sent Cruz a letter outlining Sales’s investigation into the French

complaint. Elsbury stated that the territory office had reached out to French, listened to

his perspective on the incident, and resolved the issue by removing French from Farmers’

mailing list. Although Elsbury acknowledged Cruz’s position on the issue, as relayed by

Sales, Elsbury nevertheless cautioned Cruz to maintain professionalism and uphold the

Farmers brand. Elsbury concluded by stating, “No further actions will be taken at this

time, but I do want to remind you that any further incidents could jeopardize your

[contract].” Id. at 286.

As it turned out, that was not the end of the matter. Farmers contends that when

Elsbury said no further action would be taken, Brooks and Chara Kautz, a territory

agency manager who reported to Brooks, were unaware of Diekman’s email. After

1 Diekman sent the email from Cruz’s email account, which caused confusion about the true author. The parties argue at length about whether Farmers knew that Diekman wrote the email but nevertheless blamed Cruz. Because this dispute is not relevant to our disposition of the appeal, we need not address it.

4 Appellate Case: 21-1069 Document: 010110719735 Date Filed: 08/03/2022 Page: 5

Brooks and Kautz learned about the email about a month or two later, they “re[]opened

the matter to determine if further action was warranted.” App. vol. 4, 622.

Based on this reopening, Elsbury informed Sales that Farmers was considering

terminating Cruz’s contract. According to Sales, Elsbury instructed him to contact Cruz’s

office to let him know that Farmers was considering terminating the contract and to

schedule an appointment between Elsbury and Cruz. The same day, Sales called Cruz’s

office and spoke to Diekman. Diekman testified that Sales said, “I don’t even know how

to tell you this.

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Bluebook (online)
42 F.4th 1205, Counsel Stack Legal Research, https://law.counselstack.com/opinion/cruz-v-farmers-insurance-ca10-2022.