Ellen F. Earhart v. Great American Insurance Company and Sentry Insurance Company

Louisiana Court of Appeal·Decided December 23, 2025·No. 2025 CA 0479·Unknown

Opinion

NOT DESIGNATED FOR PUBLICATION STATE OF LOUISIANA

COURT OF APPEAL

FIRST CIRCUIT

2025 CA 0479

ELLEN F. EARHART

VERSUS

GREAT AMERICAN INSURANCE COMPANY AND SENTRY INSURANCE COMPANY

Judgment Rendered:

DEC 2 3 2025

On Appeal from the

Office of Workers' Compensation, District 5 Parish of East Baton Rouge State of Louisiana

No. 22- 04723

The Honorable Denise J. Lee, Workers' Compensation Judge Presiding

J. David Smith Attorney for Plaintiff/Appellant Baton Rouge, Louisiana Ellen F. Earhart

George Ernest, III Attorneys for Defendants/ Appellees Matthew D. Fontenot Great American Insurance Company Lafayette, Louisiana and Sentry Casualty Insurance Company

BEFORE: McCLENDON, C.J., GREENE, AND STROMBERG, JJ.

STROMBERG9 J.

In this workers' compensation case, plaintiff, Ellen F. Earhart, appeals a

summary judgment rendered against her, and in favor of defendants, Great American

Insurance Company ( Great American) and its insurer, Sentry Insurance Company For

Sentry), dismissing her cross-motion for summary judgment with prejudice.

the reasons that follow, we affirm.

FACTS AND PROCEDURAL HISTORY

Plaintiff was a remote worker employed with Great American. In anticipation of Hurricane Ida, she evacuated from her remote office/ home in Metairie, Louisiana to Houston, Texas. Plaintiff utilized leave under Great American' s " Strategic Comp Hurricane Preparedness Plan" ( HPP). The HPP granted employees the following leave: two days " to focus solely on the safety and well-being of [their] family and

property"; up to two days " to transition" to " be on-line and fully operational"; and one day without penalty to get back home and resume your normal work schedule in your home office." The HPP further provided: " Any delays past the time allowed

will result in tapping your available PTO [ paid time off] or leave without pay if no accrued PTO is available. The same rules apply should you elect not to evacuate and are unable to get back on- line within the ... two[-] day time allotment." On

September 9, 2021, plaintiff was involved in a motor vehicle collision while

traveling from Houston to Metairie.

On August 23, 2022, plaintiff filed a Disputed Claim for Compensation,

naming Great American and Sentry, Great American' s insurer, as defendants. Plaintiff' s claim alleged that, on September 9, 2021, she was involved in a multi -

vehicle car crash, while operating her vehicle in the course and scope of her employment. Great American and Sentry ( defendants) answered plaintiffs

Disputed Claim for Compensation with a general denial.

0)

On June 22, 2023, defendants filed a motion for summary judgment asserting that there was no genuine issue of material fact that the alleged accident did not constitute an accident arising out of and in the course and scope of plaintiff' s employment.' Therefore, defendants argued that plaintiff was not entitled to benefits under the Louisiana Workers' Compensation Act, La. R.S. 23: 1020. 1, et seq., which provides the exclusive remedy for an employee who is injured during the course and scope of her employment. Defendants prayed that " summary judgment be granted

in their favor, dismissing the claims of [plaintiff] with prejudice[.]"

Defendants filed a memorandum in support of their motion for summary

judgment, attaching several exhibits, which included plaintiff's Disputed Claim for Compensation, defendants' answer, and plaintiff' s deposition. On March 27, 2024,

defendants filed a supplemental memorandum, attaching the deposition of Catherine

2

Senac, a corporate representative for Great American. Attached to Senac' s

deposition was the FIPP. Senac confirmed that the HPP was in effect at the time of

plaintiff' s accident. Senac testified that " the decision whether or not to evacuate

was] really with the employee and their family." Senac' s testimony confirmed that the employees of Great American who chose not to evacuate received the same

benefits as the employees who chose to evacuate, including paid days during which to get their workspace running. Senac testified that, pursuant to the HPP, an

employee could be paid for days they were not performing work for Great American, similar to paid holidays.

Although the file stamp on defendants' motion for summary judgment is not legible, the minute entry indicates the file date was June 22, 2023. See Brien v. Smith/American Plumbing, 2006- 1712 ( La. App. 1 Cir. 9/ 14/ 07), 971 So. 2d 336, 338 n.2.

2 Although the file stamp on defendants' supplemental memorandum is not legible, the minute entry indicates the file date was March 27, 2024. See Brien, 971 So.2d at 338 n.2.

Plaintiff opposed defendants' motion for summary judgment arguing that she

was injured while traveling back to her home office from a remote worksite that was on the clock at the time

set up pursuant to the HPP. Plaintiff argued that she was "

of the accident and was under the time pressure imposed upon her by [ Great American] to return from the remote worksite[.]" Plaintiff further argued that she

should be covered under the Louisiana Workers' Compensation Act because her trip to Houston was made for the benefit of Great American to ensure minimal interruptions for their customers.

On January 26, 2024,3 plaintiff filed a cross motion for summary judgment,

arguing that she was injured by an accident during the course and scope of her employment and said accident arose from her employment such that her injuries and

under the Louisiana Workers'

the resulting disability were compensable

Compensation Act.'

Defendants opposed plaintiff' s cross motion for summary judgment, asserting that she was not in the course and scope of her employment and her accident did not arise out of her employment; thus, she was not entitled to workers' compensation benefits. Defendants argued that plaintiff was not engaged in work activities or on work premises when the accident occurred; moreover, she was not on a specific

mission for Great American. Defendants further argued that plaintiff worked

remotely, and her job did not call upon her to travel between work sites— her work site was wherever she could access her work. Furthermore, the accident did not arise out of her employment. The risk of an automobile accident, while traveling, was not

3 Although the file stamp on plaintiffs motion for summary judgment is not legible, the minute entry indicates the file date was January 26, 2024. See Brien, 971 So.2d at 338 n.2.

4 In support of her motion for summary judgment, plaintiff filed into evidence her Disputed Claim for Compensation and her deposition, defendants' answer, Senac' s deposition, and the HPP.

distinct to this employee; rather, any person who had evacuated the area due to Hurricane Ida and returned found themselves in a similar traveling situation.

Plaintiff filed a reply memorandum, arguing, in part, that she should be afforded the protections of the Louisiana Workers' Compensation Act from " portal to portal" as the trip was made for the benefit of Great American under time

constraints imposed by Great American to ensure its own operation integrity during Hurricane Ida.

On April 26, 2024, the workers' compensation judge heard both motions for summary judgment.' That same day, the parties entered a stipulation that the exhibits filed on behalf of plaintiff in support of her motion for summary judgment

and the exhibits filed by defendants in support of their motion for summary were

judgment, including those filed with their supplemental memorandum,

admissible as part of the record ... and [ were] in support and opposition to both

6

filed After hearing arguments, the workers'

motions by the parties [.],,

compensation judge took the matter under advisement. On May 8, 2024, the

workers' compensation judge granted defendants' motion for summary judgment and signed an order, which stated:

IT IS HEREBY ORDERED, ADJUDGED AND DECREED that ... [ d] efendant[ s'] [ m] otion for [ s] ummary U] udgment is hereby granted, as there exists no genuine issue of material fact that ...

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Ellen F. Earhart v. Great American Insurance Company and Sentry Insurance Company, (La. Ct. App. 2025).

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