Hermes Health Alliance, LLC v. Certain Underwriters at Lloyd's, London

CourtDistrict Court, E.D. Louisiana
DecidedAugust 29, 2025
Docket2:23-cv-02276
StatusUnknown

This text of Hermes Health Alliance, LLC v. Certain Underwriters at Lloyd's, London (Hermes Health Alliance, LLC v. Certain Underwriters at Lloyd's, London) is published on Counsel Stack Legal Research, covering District Court, E.D. Louisiana primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Hermes Health Alliance, LLC v. Certain Underwriters at Lloyd's, London, (E.D. La. 2025).

Opinion

UNITED STATES DISTRICT COURT EASTERN DISTRICT OF LOUISIANA HERMES HEALTH ALLIANCE, LLC CIVIL ACTION VERSUS NO. 23-2276 CERTAIN UNDERWRITERS AT SECTION “O” LLOYD’S, LONDON, ET AL.

ORDER AND REASONS Before the Court in this surplus lines insurance case is the motion1 of Defendants2 to compel arbitration and stay the lawsuits of Plaintiff Hermes Health Alliance, LLC (“Hermes”) and Plaintiff-Intervenor Girod Titling Trust (“Girod”) under the Convention on the Recognition of Foreign Arbitral Awards (“Convention”), 9 U.S.C. §§ 201–208, and the Federal Arbitration Act (“FAA”), 9 U.S.C. §§ 1–16. Plaintiff Hermes does not oppose this Court compelling arbitration for its claims.3 Plaintiff-Intervenor Girod opposes this Court compelling arbitration for

certain of its claims.4 For the reasons that follow, Defendants’ motion5 to compel arbitration as to Plaintiff Hermes’s and Plaintiff-Intervenor Girod’s claims against Defendants and to stay Plaintiff-Intervenor Girod’s remaining crossclaims is GRANTED.

1 ECF No. 35. 2 Defendants are Certain Underwriters at Lloyd’s, London, Indian Harbor Insurance Company, QBE Specialty Insurance Company, Steadfast Insurance Company, General Security Indemnity Company of Arizona, United Specialty Insurance Company, Lexington Insurance Company, Safety Specialty Insurance Company, HDI Global Specialty SE, and Old Republic Union Insurance Company (“Insurers” or “Defendants”). 3 ECF No. 36. 4 ECF No. 37. 5 ECF No. 35. I. BACKGROUND This insurance case arises from alleged damage caused by Hurricane Ida. Plaintiff Hermes owns a property located at 4201 Woodland Drive in New Orleans

(the “Property”).6 Defendants insured Hermes’s Property under a surplus lines commercial property insurance policy bearing Account No. #791945 (the “Policy).”7 The Policy contains a provision that requires arbitration of “[a]ll matters in difference between the Insured and the Companies . . . in relation to this insurance . . . .”8 Under the Policy, “[t]he seat of the Arbitration shall be in New York and the Arbitration Tribunal shall apply the law of New York as the proper law of this insurance.”9

After Hurricane Ida caused major damage to the property in August 2021, the lessor of the property filed suit against Hermes in the 22nd Judicial District Court of St. Tammany Parish.10 The lessor alleged the property was unfit for use in violation of the lease agreement.11 In turn, Hermes asserted several affirmative defenses and counterclaims, including a third-party demand against Defendants (as then-third- party defendants) for (1) breach of the insurance policy; and (2) bad faith under La R.S. §§ 22:1892 and 1973.12 Hermes contended that it could not meet its contractual

6 ECF Nos. 37 at 1-2; 2-7 at 15 ¶¶ 40–41. 7 ECF No. 35-2 at 2. 8 ECF No. 38-1 at 38 (§ VII(C)). Per the Policy’s declarations page, “the Insured” is Plaintiff Hermes Health Alliance, LLC. See id. at 3. Under the Policy, the words “Underwriters, Insurers, and Companies” “shall be synonymous with each other.” See id. at 47 (quotation marks omitted). 9 Id. 10 ECF No. 2-7. 11 Id. at 55-60. 12 Id. at 13-24. obligation under the lease in part because “the denial of Hermes’ insurance claim by Hermes’ Property Insurers has made that financially impossible.”13 Defendants—as then-third-party defendants—removed the case to this Court,

but the Court granted a motion to remand based on Defendants’ third-party defendant status. St. Luke #2, LLC v. Hermes Health All., LLC, 644 F. Supp. 3d 289, 291 (E.D. La. 2022). After remand, the state court severed Hermes’s insurance claims from the underlying dispute with the lessor and re-docketed the insurance case as a new action.14 Defendants again removed to this Court.15 Defendants’ Notice of Removal

reasoned that this Court has subject matter jurisdiction over this action under 9 U.S.C. §§ 203 and 205 because this matter relates to an arbitration agreement falling under the Convention on the Recognition and Enforcement of Foreign Arbitral Awards.16 Thereafter, two defendants—Sedgwick Claims Management Services, a third party insurance adjusting company, and Applied Building Sciences, Inc., a third party engineering firm—filed motions to dismiss Hermes’s claims against them.17 The Court granted both motions, leaving the ten remaining insurer defendants.18

On November 28, 2023, Plaintiff-Intervenor Girod filed a motion to intervene as a plaintiff pursuant to Fed. R. Civ. P. 24.19 Girod alleges that it is the current

13 Id. at 23. 14 Id. at 1. 15 ECF No. 2. 16 Id. at 2, 6. 17 ECF Nos. 11 and 13. 18 ECF Nos. 33 and 34. 19 ECF No. 16. holder of a Multiple Indebtedness Mortgage (the “Mortgage”) dated March 15, 2017, given by Hermes in favor of First NBC Bank and any future holder or holders.20 The Mortgage pledged all of Hermes’s present and future rights, title, and interest in and

to the Property.21 The Mortgage and related rights were assigned by the Federal Deposit Insurance Corporation in its capacity as court-appointed receiver for First NBC to Girod LoanCo, LLC, which subsequently assigned the Mortgage and related rights to Girod.22 Hermes failed to pay amounts due to Girod under the mortgage and Girod instituted an executory foreclosure action in state court to foreclose on the property.23 Girod alleges that the Mortgage currently secures indebtedness owed to

Girod of over $17 million in principal, accrued interest, and other costs.24 According to Girod’s Complaint, the Mortgage provides that the Mortgagee [Girod] has “the right to directly receive the proceeds of all insurance protecting the Property.”25 The Complaint also states that Hermes was allegedly required to obtain insurance on the Property that contained a “lender’s loss payee endorsement in favor of Mortgagee, providing in part that [] all proceeds and returned premiums under such policies of insurance will be paid directly to Mortgagee[.]”26 Girod alleges that

the insurance Policy on its face does not, however, show that Girod is named as either a lender loss payee or mortgage holder as required by the Mortgage.27

20 ECF No. 16 ¶ 8. 21 Id. 22 Id. ¶ 10. 23 Id. ¶¶12-15. 24 Id. ¶ 17. 25 Id. ¶ 23. 26 Id. ¶ 22. 27 Id. ¶ 21. Girod accordingly brings six distinct claims, some against Insurer Defendants and some crossclaims against Plaintiff Hermes. Girod’s first two claims “adopt[] [Hermes’s] allegations and claims for relief” against Defendants because Girod

contends that it is the “proper party in interest for recovery of the insurance proceeds[.]”28 Accordingly, Girod—alongside Hermes—brings claims against Defendants for (1) breach of the insurance Policy; and (2) bad faith under La R.S. §§ 22:1892 and 1973. Girod—on its own—pleads four additional claims. Girod seeks: (3) a declaratory judgment against both Defendants and Plaintiff Hermes that Girod is the

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Hermes Health Alliance, LLC v. Certain Underwriters at Lloyd's, London, Counsel Stack Legal Research, https://law.counselstack.com/opinion/hermes-health-alliance-llc-v-certain-underwriters-at-lloyds-london-laed-2025.