25-1272-cv Griffin v. Travelers Prop. Cas. Co. of Am.
UNITED STATES COURT OF APPEALS FOR THE SECOND CIRCUIT
SUMMARY ORDER RULINGS BY SUMMARY ORDER DO NOT HAVE PRECEDENTIAL EFFECT. CITATION TO A SUMMARY ORDER FILED ON OR AFTER JANUARY 1, 2007, IS PERMITTED AND IS GOVERNED BY FEDERAL RULE OF APPELLATE PROCEDURE 32.1 AND THIS COURT’S LOCAL RULE 32.1.1. WHEN CITING A SUMMARY ORDER IN A DOCUMENT FILED WITH THIS COURT, A PARTY MUST CITE EITHER THE FEDERAL APPENDIX OR AN ELECTRONIC DATABASE (WITH THE NOTATION “SUMMARY ORDER”). A PARTY CITING A SUMMARY ORDER MUST SERVE A COPY OF IT ON ANY PARTY NOT REPRESENTED BY COUNSEL.
At a stated term of the United States Court of Appeals for the Second Circuit, held at the Thurgood Marshall United States Courthouse, 40 Foley Square, in the City of New York, on the 12th day of February, two thousand twenty-six.
PRESENT: JOSEPH F. BIANCO, MYRNA PÉREZ, MARIA ARAÚJO KAHN, Circuit Judges. _____________________________________
W.A. GRIFFIN, M.D.,
Plaintiff-Appellant,
v. 25-1272-cv
TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA, UNITED STATES FIDELITY AND GUARANTY COMPANY,
Defendants-Appellees. _____________________________________
FOR PLAINTIFF-APPELLANT: W.A. GRIFFIN, pro se, Atlanta, Georgia.
FOR DEFENDANTS-APPELLEES: JONATHAN E. SMALL, Robinson & Cole LLP, Hartford, Connecticut. Appeal from a judgment of the United States District Court for the District of Connecticut
(Vernon D. Oliver, Judge).
UPON DUE CONSIDERATION, IT IS HEREBY ORDERED, ADJUDGED, AND
DECREED that the judgment of the district court, entered on May 15, 2025, is AFFIRMED AS
MODIFIED.
Plaintiff-Appellant W.A. Griffin, M.D., proceeding pro se, appeals from the district court’s
judgment dismissing her complaint for lack of standing and failure to state a claim. Griffin sued
Defendants-Appellees Travelers Property Casualty Company of America (“Travelers”) and United
States Fidelity and Guaranty Company (“Fidelity”), asserting breach of contract and tort claims.
Griffin, a physician and the owner of Dermatology Boutique LLC (“Dermatology Boutique”),
alleged that she discovered hidden cameras near her office’s entrance that she believed “were
strategically placed to spy on [her] and Dermatology Boutique patients and office staff,” and
sought to recover under insurance policies with Travelers and Fidelity. Supplemental App’x at
259. The defendants moved to dismiss the amended complaint pursuant to Federal Rules of Civil
Procedure 12(b)(1) and 12(b)(6). The district court granted the motion, concluding that Griffin
lacked standing to sue under the Fidelity Policy and had otherwise failed to state a claim against
either defendant. See generally Griffin v. Travelers Prop. Cas. Co. of Am., No. 24-CV-1298, 2025
WL 1432766 (D. Conn. May 14, 2025). We assume the parties’ familiarity with the underlying
facts, procedural history, and issues on appeal, to which we refer only as necessary to explain our
decision to affirm.
“Where a district court grants a defendant’s Rule 12(b)(1) motion to dismiss, an appellate
court will review the district court’s factual findings for clear error and its legal conclusions de
2 novo.” Aurecchione v. Schoolman Transp. Sys., Inc., 426 F.3d 635, 638 (2d Cir. 2005). “[W]e
review de novo a district court’s dismissal of a complaint pursuant to Rule 12(b)(6), construing the
complaint liberally, accepting all factual allegations in the complaint as true, and drawing all
reasonable inferences in the plaintiff’s favor.” Moreira v. Société Générale, S.A., 125 F.4th 371,
387 (2d Cir. 2025) (internal quotation marks and citation omitted). Because Griffin “has been pro
se throughout, [her] pleadings and other filings are interpreted to raise the strongest claims they
suggest.” Sharikov v. Philips Med. Sys. MR, Inc., 103 F.4th 159, 166 (2d Cir. 2024).
The district court correctly dismissed Griffin’s amended complaint. 1 First, we agree with
the district court that Griffin lacked standing to sue for breach of contract under the Fidelity
Policy’s property coverage section. “Where, as here, jurisdiction is predicated on diversity of
citizenship, a plaintiff must have standing under both Article III of the Constitution and applicable
state law in order to maintain a cause of action.” Mid-Hudson Catskill Rural Migrant Ministry,
Inc. v. Fine Host Corp., 418 F.3d 168, 173 (2d Cir. 2005). In this case, Griffin was not a party to
the Fidelity Policy—the only “Named Insured” was “Dermatology Boutique LLC.”
Supplemental App’x at 4. Under Georgia law, “[i]n order for a third party to have standing to
enforce, or reform, a contract, it must appear clearly from the contract that it was intended for the
benefit of the third party. The mere fact that the third party would benefit from performance of
the agreement is not alone sufficient.” Bouboulis v. Scottsdale Ins. Co., 860 F. Supp. 2d 1364,
1373 (N.D. Ga. 2012) (internal quotation marks and citation omitted). The Fidelity Policy’s
1 Both sides agree that Georgia law applies to Griffin’s claims. Moreover, in ruling on the motion to dismiss, the district court properly considered the insurance policies because they were integral to Griffin’s amended complaint. See Chambers v. Time Warner, Inc., 282 F.3d 147, 153 (2d Cir. 2002) (“[A] plaintiff’s reliance on the terms and effect of a document in drafting the complaint is a necessary prerequisite to the court’s consideration of the document on a dismissal motion . . . .” (emphasis omitted)). 3 property coverage section did not clearly reflect that it was intended for the benefit of Griffin.
Unlike other sections of the Policy, the property coverage section used “you” and “your,” which
the Policy defined as “the Named Insured,” Supplemental App’x at 97, and the sole “Named
Insured” was “Dermatology Boutique LLC,” id. at 7.
Griffin argues that she had standing because she was the sole owner of Dermatology
Boutique LLC. However, “a member of a limited liability company . . . is considered separate
from the company and is not a proper party to a proceeding by or against a limited liability
company, solely by reason of being a member of the limited liability company.” Glob. Diagnostic
Dev., LLC v. Diagnostic Imaging of Atlanta, 643 S.E.2d 338, 341 (Ga. Ct. App. 2007) (internal
quotation marks and citation omitted). Nor could Griffin substitute Dermatology Boutique LLC
into the action because, as a pro se litigant, Griffin could not bring claims on behalf of her LLC in
federal court. See Lattanzio v. COMTA, 481 F.3d 137, 140 (2d Cir. 2007) (per curiam) (“[A] limited
liability company . . . may appear in federal court only through a licensed attorney.”).
Although the district court correctly concluded that Griffin, on behalf of herself, lacked
standing to sue for breach of the Fidelity Policy’s property coverage section, it did not state that
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25-1272-cv Griffin v. Travelers Prop. Cas. Co. of Am.
UNITED STATES COURT OF APPEALS FOR THE SECOND CIRCUIT
SUMMARY ORDER RULINGS BY SUMMARY ORDER DO NOT HAVE PRECEDENTIAL EFFECT. CITATION TO A SUMMARY ORDER FILED ON OR AFTER JANUARY 1, 2007, IS PERMITTED AND IS GOVERNED BY FEDERAL RULE OF APPELLATE PROCEDURE 32.1 AND THIS COURT’S LOCAL RULE 32.1.1. WHEN CITING A SUMMARY ORDER IN A DOCUMENT FILED WITH THIS COURT, A PARTY MUST CITE EITHER THE FEDERAL APPENDIX OR AN ELECTRONIC DATABASE (WITH THE NOTATION “SUMMARY ORDER”). A PARTY CITING A SUMMARY ORDER MUST SERVE A COPY OF IT ON ANY PARTY NOT REPRESENTED BY COUNSEL.
At a stated term of the United States Court of Appeals for the Second Circuit, held at the Thurgood Marshall United States Courthouse, 40 Foley Square, in the City of New York, on the 12th day of February, two thousand twenty-six.
PRESENT: JOSEPH F. BIANCO, MYRNA PÉREZ, MARIA ARAÚJO KAHN, Circuit Judges. _____________________________________
W.A. GRIFFIN, M.D.,
Plaintiff-Appellant,
v. 25-1272-cv
TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA, UNITED STATES FIDELITY AND GUARANTY COMPANY,
Defendants-Appellees. _____________________________________
FOR PLAINTIFF-APPELLANT: W.A. GRIFFIN, pro se, Atlanta, Georgia.
FOR DEFENDANTS-APPELLEES: JONATHAN E. SMALL, Robinson & Cole LLP, Hartford, Connecticut. Appeal from a judgment of the United States District Court for the District of Connecticut
(Vernon D. Oliver, Judge).
UPON DUE CONSIDERATION, IT IS HEREBY ORDERED, ADJUDGED, AND
DECREED that the judgment of the district court, entered on May 15, 2025, is AFFIRMED AS
MODIFIED.
Plaintiff-Appellant W.A. Griffin, M.D., proceeding pro se, appeals from the district court’s
judgment dismissing her complaint for lack of standing and failure to state a claim. Griffin sued
Defendants-Appellees Travelers Property Casualty Company of America (“Travelers”) and United
States Fidelity and Guaranty Company (“Fidelity”), asserting breach of contract and tort claims.
Griffin, a physician and the owner of Dermatology Boutique LLC (“Dermatology Boutique”),
alleged that she discovered hidden cameras near her office’s entrance that she believed “were
strategically placed to spy on [her] and Dermatology Boutique patients and office staff,” and
sought to recover under insurance policies with Travelers and Fidelity. Supplemental App’x at
259. The defendants moved to dismiss the amended complaint pursuant to Federal Rules of Civil
Procedure 12(b)(1) and 12(b)(6). The district court granted the motion, concluding that Griffin
lacked standing to sue under the Fidelity Policy and had otherwise failed to state a claim against
either defendant. See generally Griffin v. Travelers Prop. Cas. Co. of Am., No. 24-CV-1298, 2025
WL 1432766 (D. Conn. May 14, 2025). We assume the parties’ familiarity with the underlying
facts, procedural history, and issues on appeal, to which we refer only as necessary to explain our
decision to affirm.
“Where a district court grants a defendant’s Rule 12(b)(1) motion to dismiss, an appellate
court will review the district court’s factual findings for clear error and its legal conclusions de
2 novo.” Aurecchione v. Schoolman Transp. Sys., Inc., 426 F.3d 635, 638 (2d Cir. 2005). “[W]e
review de novo a district court’s dismissal of a complaint pursuant to Rule 12(b)(6), construing the
complaint liberally, accepting all factual allegations in the complaint as true, and drawing all
reasonable inferences in the plaintiff’s favor.” Moreira v. Société Générale, S.A., 125 F.4th 371,
387 (2d Cir. 2025) (internal quotation marks and citation omitted). Because Griffin “has been pro
se throughout, [her] pleadings and other filings are interpreted to raise the strongest claims they
suggest.” Sharikov v. Philips Med. Sys. MR, Inc., 103 F.4th 159, 166 (2d Cir. 2024).
The district court correctly dismissed Griffin’s amended complaint. 1 First, we agree with
the district court that Griffin lacked standing to sue for breach of contract under the Fidelity
Policy’s property coverage section. “Where, as here, jurisdiction is predicated on diversity of
citizenship, a plaintiff must have standing under both Article III of the Constitution and applicable
state law in order to maintain a cause of action.” Mid-Hudson Catskill Rural Migrant Ministry,
Inc. v. Fine Host Corp., 418 F.3d 168, 173 (2d Cir. 2005). In this case, Griffin was not a party to
the Fidelity Policy—the only “Named Insured” was “Dermatology Boutique LLC.”
Supplemental App’x at 4. Under Georgia law, “[i]n order for a third party to have standing to
enforce, or reform, a contract, it must appear clearly from the contract that it was intended for the
benefit of the third party. The mere fact that the third party would benefit from performance of
the agreement is not alone sufficient.” Bouboulis v. Scottsdale Ins. Co., 860 F. Supp. 2d 1364,
1373 (N.D. Ga. 2012) (internal quotation marks and citation omitted). The Fidelity Policy’s
1 Both sides agree that Georgia law applies to Griffin’s claims. Moreover, in ruling on the motion to dismiss, the district court properly considered the insurance policies because they were integral to Griffin’s amended complaint. See Chambers v. Time Warner, Inc., 282 F.3d 147, 153 (2d Cir. 2002) (“[A] plaintiff’s reliance on the terms and effect of a document in drafting the complaint is a necessary prerequisite to the court’s consideration of the document on a dismissal motion . . . .” (emphasis omitted)). 3 property coverage section did not clearly reflect that it was intended for the benefit of Griffin.
Unlike other sections of the Policy, the property coverage section used “you” and “your,” which
the Policy defined as “the Named Insured,” Supplemental App’x at 97, and the sole “Named
Insured” was “Dermatology Boutique LLC,” id. at 7.
Griffin argues that she had standing because she was the sole owner of Dermatology
Boutique LLC. However, “a member of a limited liability company . . . is considered separate
from the company and is not a proper party to a proceeding by or against a limited liability
company, solely by reason of being a member of the limited liability company.” Glob. Diagnostic
Dev., LLC v. Diagnostic Imaging of Atlanta, 643 S.E.2d 338, 341 (Ga. Ct. App. 2007) (internal
quotation marks and citation omitted). Nor could Griffin substitute Dermatology Boutique LLC
into the action because, as a pro se litigant, Griffin could not bring claims on behalf of her LLC in
federal court. See Lattanzio v. COMTA, 481 F.3d 137, 140 (2d Cir. 2007) (per curiam) (“[A] limited
liability company . . . may appear in federal court only through a licensed attorney.”).
Although the district court correctly concluded that Griffin, on behalf of herself, lacked
standing to sue for breach of the Fidelity Policy’s property coverage section, it did not state that
the dismissal of the claim was without prejudice. See Green v. Dep’t of Educ. of City of New York,
16 F.4th 1070, 1074 (2d Cir. 2021) (“[D]ismissals for lack of subject matter jurisdiction must be
without prejudice, rather than with prejudice.” (internal quotation marks and citation omitted)).
We therefore affirm the judgment as modified to specify that the dismissal of the claim for breach
of the Fidelity Policy was without prejudice. See United States v. Adams, 955 F.3d 238, 250–51
(2d Cir. 2020) (recognizing this Court’s authority to modify and affirm judgments under 28 U.S.C.
§ 2106).
4 Second, because Griffin’s brief raises no challenge to the district court’s dismissal of her
claim for breach of the Travelers Policy, she has abandoned any related arguments. See Green, 16
F.4th at 1074. In any event, we agree with the district court that she failed to state a claim for
breach of the Travelers Policy. That Policy provided coverage when the insured became “legally
obligated to pay as damages” for certain claims, see Supplemental App’x at 190–91, but Griffin did
not allege that she had become legally obligated to pay any damages.
Finally, the district court correctly concluded that Griffin failed to state a claim for bad
faith denial of her insurance claims. “[T]he exclusive remedy for an insurance company’s bad
faith refusal to pay a claim is set forth in OCGA § 33–4–6.” Anderson v. Georgia Farm Bureau
Mut. Ins. Co., 566 S.E.2d 342, 345 (Ga. Ct. App. 2002). Under Section 33–4–6, an insurer is
liable if (1) there was “a loss which is covered by a policy of insurance”; (2) the insurer refused to
pay “within 60 days after a demand” by the policyholder; and (3) “such refusal was in bad faith.”
OCGA § 33–4–6(a). Additionally, “[b]ad faith claims under the Georgia insurance code . . . are
available only as between insureds and their insurers.” J. Smith Lanier & Co. v. Se. Forge, Inc.,
280 Ga. 508, 510 (2006) (internal quotation marks and citation omitted).
Here, Griffin lacks standing to bring a claim under Section 33–4–6 against Fidelity because,
as explained above, she is not the insured party under the applicable policy. See id.; see also
Owens v. Allstate Ins. Co., 455 S.E.2d 368, 369, (Ga. Ct. App. 1995) (reasoning that, because the
plaintiff “was not the policyholder with [the insurer], she had no standing to complain of any
alleged negligence or bad faith on the part of [the insurer] under OCGA § 33–4–6”). Thus,
although we affirm the district court’s dismissal of Griffin’s claim against Fidelity for bad faith
denial, we do so for lack of standing rather than for failure to state a claim. Accordingly, as with
5 the claim for breach of contract, we likewise affirm the judgment as modified to specify that the
dismissal of the claim against Fidelity for bad faith denial of insurance coverage is without
prejudice. See Adams, 955 F.3d at 250–51.
As to her claim against Travelers, Griffin failed to plausibly allege a covered event. As
described above, Griffin did not plausibly allege that she or her LLC had become “legally obligated
to pay damages” such that coverage under the Travelers Policy applied. Thus, the district court
correctly concluded that she failed to state a claim for bad faith refusal against Travelers.
* * *
We have considered Griffin’s remaining arguments and conclude that they are without
merit. Accordingly, we AFFIRM AS MODIFIED the judgment of the district court.
FOR THE COURT: Catherine O’Hagan Wolfe, Clerk of Court