JAY LEWIS FARROW AND FARROW LAW, P.A. vs INSURANCE OFFICE OF AMERICA, INC., JOHN K. RITENOUR, HEATH RITENOUR, JOSHUA D. CLARK, LAW OFFICES OF JOSHUA D. CLARK, P.A., LOUIS SPAGNUOLO, ROY CASWELL, J. DAVID NAUGHTON, WOODROW W. POWER, ET AL.

District Court of Appeal of Florida·Decided February 28, 2023·No. 21-1326·Published

Opinion

IN THE DISTRICT COURT OF APPEAL OF THE STATE OF FLORIDA FIFTH DISTRICT

NOT FINAL UNTIL TIME EXPIRES TO FILE MOTION FOR REHEARING AND DISPOSITION THEREOF IF FILED

LOUIS SPAGNUOLO, JAY LEWIS FARROW, AND FARROW LAW, P.A.,,

Appellants,

Case Nos. 5D21-1324

5D21-1326

v.

LT Case No. 2020-CA-000725

INSURANCE OFFICE OF AMERICA, INC., JOHN K. RITENOUR, HEATH RITENOUR, ROY CASWELL, AND J. DAVID NAUGHTON, IV,

Appellees.

________________________________/ Opinion filed February 28, 2023

Nonfinal Appeal from the Circuit Court for Seminole County, Susan Stacy, Judge.

Holiday Hunt Russell, of Holiday Hunt Russell PLLC, Fort Lauderdale, for Appellants, Jay Lewis Farrow and Farrow Law, P.A.

Jay Lewis Farrow and Meera K. Koodie, of Farrow Law P.A., Davie, for Appellant, Louis Spagnuolo.

Brian J. Moran, Christopher R. Parkinson, and Jason DelRosso, of Moran Kidd Lyons Johnson Garcia, P.A., Orlando, for Appellees.

EDWARDS, J.

Appellants seek to vacate a temporary injunction which prohibits them from making or sharing extremely unflattering, possibly defamatory, statements, about some or all Appellees, via email and on social media sites. The injunction also prohibits Appellants’ unlicensed use of Appellees’ names, logos, and likenesses. Among other topics, the communications from Appellants that led to issuance of the injunction accuse Appellees of various fraudulent, dishonest, unethical, or criminal business conduct regarding Appellees’ insurance brokerage firm. For the reasons explained below, we affirm in part, reverse in part, and remand to the trial court for further proceedings. 1 Background

Parties

Appellants include a lawyer, Jay Farrow, and his law firm, Farrow Law, P.A. (“the Farrow Parties”). The other Appellant is Louis Spagnuolo, a client

1 Our rulings only concern the temporary injunction.

of Farrow who sued Appellees regarding the termination of a prior business referral relationship with Insurance Office of America, Inc. ("IOA").2 Appellees are IOA, a large insurance broker, and John Ritenour and Heath Ritenour, principals in IOA.

Initial Actions Targeting Appellees It is undisputed that Spagnuolo entered into a paid referral arrangement with John Ritenour as a result of and limited to referring one client to IOA. Spagnuolo received payments related to that referral beginning in 2014; however, the payments ceased in January 2019 when John Ritenour terminated his role as producer of the relevant accounts.

In March 2019, the Farrow Parties served a written demand for settlement on Heath Ritenour, the CEO of IOA, and his wife, who was not an officer or employee of IOA. The demand was served at the couple’s home and demanded payment of more than five million dollars to resolve the Farrow Parties’ clients’ claims. The Farrow Parties’ demand threatened that Heath Ritenour and IOA would be subjected to a “public spectacle” if

2 David Naughton (“Naughton”), Roy Caswell (“Caswell”), Woodrow Power (“Power), and Spagnuolo were identified as clients of Farrow Law and were listed as defendants below (“Clients”). Of the Clients, Spagnuolo was the only one directly involved and specifically bound by the injunction and thus the only one who appealed. The trial court found no direct evidence that the other Clients were involved in harming Appellees.

payment was not forthcoming. In connection with this demand, the Farrow Parties served demand and document preservation letters on some of IOA’s customers and certain insurers with which it did business. The Farrow Parties also sent a similar demand letter to Don Whitten, who is both pastor of the Ritenours’ church and Heath Ritenour’s father-in-law.

Appellants’ Lawsuits, Postings, and Communications When the settlement demand was not paid, the Farrow Parties filed actions in September 2019 for each Client against the IOA Parties alleging violations of Florida’s civil RICO statute and fraud, among other claims. Generally, the suits filed by the Farrow Parties for the Clients alleged that IOA and the Ritenours were involved in stock manipulation, inflated the value of IOA’s private stock, stole accounts from competitors, overbilled clients, and engaged in impermissible insurance rebating to their customers.

After those suits were filed, the Farrow Parties issued what they referred to as “press releases” and “notices to witnesses” in both written and video formats. The “press releases” and “notices to witnesses” repeated or referenced the contents of the Clients’ accusatory pleadings and sought anybody with information to contact them. The Farrow Parties paid one or more third parties to forward their “press releases”; they were not picked up or disseminated by newspaper, radio, or television.

Some of the “press releases” contained the IOA trademarked logo as well as photos of John Ritenour, Heath Ritenour, and Heath’s mother, despite having no permission for doing so. Some of these “press releases” contained a decades’ old mug shot of Heath Ritenour taken after he was arrested for a traffic offense that was completely unrelated to any of the Clients’ litigation or claims.

Various “press releases” and “notices to witnesses” asserted that IOA and the Ritenours engaged in securities fraud, RICO violations, stealing, illegal activities, nefarious actions, Ponzi schemes, gangster-like behavior, gender discrimination, unequal pay, mistreatment of female IOA employees, and that IOA’s insurance license had been or was likely to be revoked. Certain of the Farrow Parties’ “press releases” reported on the outcome of various hearings or other litigation in a misleading manner to create the impression that they or their clients prevailed when in fact they had not.

These “press releases” were posted and reposted almost simultaneously by Spagnuolo on three different LinkedIn accounts that he controls. Only one of the accounts, his own, was legitimate. Another was identified as VIP Risk America, a defunct company, associated with Spagnuolo. The final LinkedIn account was completely fictious, using a

fictious individual identity, Charles Reynolds, with its profile photograph being that of Spagnuolo’s former colleague, Charles Goldman. 3 Spagnuolo sometimes employed hashtags of IOA’s clients so as to target them and he tagged the Ritenours’ church in one post.

Emails with similar claims or accusations were sent by one or more of Appellants from anonymous “proton” email accounts to IOA’s clients and business partners. Other proton emails were sent to the Florida Bar, accusing IOA’s in-house counsel of criminal witness tampering and included links to various of the Farrow Parties’ “press releases.”

Appellees’ Suit for Damages & Injunction In March 2020, IOA and the Ritenours filed suit against the Farrow Parties and the Clients seeking money damages for alleged defamation, tortious interference with IOA’s existing and potential business relationships, and abuse of process. They later moved for entry of a temporary injunction to halt alleged ongoing tortious interference with IOA’s business. The Farrow Parties and Clients filed opposing papers in which they asserted that injunctive relief was barred by the Free Speech clause of the First Amendment and the common law litigation privilege.

3 Goldman, who is not a party to this case, had not given permission for the use of his likeness on the fictitious Reynolds account.

Injunction Hearing and Court’s Findings The trial court conducted evidentiary hearings over the course of three days during which certain parties and experts testified and numerous exhibits were admitted into evidence regarding the motion for temporary injunction.

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JAY LEWIS FARROW AND FARROW LAW, P.A. vs INSURANCE OFFICE OF AMERICA, INC., JOHN K. RITENOUR, HEATH RITENOUR, JOSHUA D. CLARK, LAW OFFICES OF JOSHUA D. CLARK, P.A., LOUIS SPAGNUOLO, ROY CASWELL, J. DAVID NAUGHTON, WOODROW W. POWER, ET AL., (Fla. Ct. App. 2023).

JAY LEWIS FARROW AND FARROW LAW, P.A. vs INSURANCE OFFICE OF AMERICA, INC., JOHN K. RITENOUR, HEATH RITENOUR, JOSHUA D. CLARK, LAW OFFICES OF JOSHUA D. CLARK, P.A., LOUIS SPAGNUOLO, ROY CASWELL, J. DAVID NAUGHTON, WOODROW W. POWER, ET AL. (JAY LEWIS FARROW AND FARROW LAW, P.A. vs INSURANCE OFFICE OF AMERICA, INC., JOHN K. RITENOUR, HEATH RITENOUR, JOSHUA D. CLARK, LAW OFFICES OF JOSHUA D. CLARK, P.A., LOUIS SPAGNUOLO, ROY CASWELL, J. DAVID NAUGHTON, WOODROW W. POWER, ET AL.) — published by Counsel Stack Legal Research, free access to 12M+ legal documents.

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