Joe Frensley and Jack Martin v. National Fire Insurance Company of Hartford

856 F.2d 1199, 1988 U.S. App. LEXIS 12707, 1988 WL 95430
CourtCourt of Appeals for the Eighth Circuit
DecidedSeptember 19, 1988
Docket87-1592
StatusPublished
Cited by8 cases

This text of 856 F.2d 1199 (Joe Frensley and Jack Martin v. National Fire Insurance Company of Hartford) is published on Counsel Stack Legal Research, covering Court of Appeals for the Eighth Circuit primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Joe Frensley and Jack Martin v. National Fire Insurance Company of Hartford, 856 F.2d 1199, 1988 U.S. App. LEXIS 12707, 1988 WL 95430 (8th Cir. 1988).

Opinion

HEANEY, Circuit Judge.

Joe Frensley and Jack Martin (collectively appellants) appeal from a judgment of the district court entered in accordance with a jury verdict in favor of National Fire Insurance Company of Hartford (Hartford). We affirm.

I

Appellants are engaged in the business of breeding and showing Santa Gertrudis cattle. In connection with this business, they attended the 1982 Arkansas/Oklahoma State Fair in Fort Smith, Arkansas, and exhibited cattle. After the cattle show had closed for the evening, appellants, in accordance with the customary practice, bedded their cattle down for the night in an area outside of the show barn which Fair officials had set aside for that purpose. Later in the evening, a fire occurred in the bedding of appellants’ cattle. As a result of the fire, five head of appellants’ cattle died, and the parties dispute whether a sixth, a bull, was rendered sterile. Appellants’ expert valued the loss at $212,500. Hartford’s expert valued the loss at $137,-500.

Subsequently, Ralph Peevy, an employee of the Arkansas/Oklahoma Regional Education and Promotion Association (Fair Association), gave two statements to police officers investigating the fire. In the first, he stated that on the night of the fire, after he got off work at 11:45 p.m., he saw two boys in the area of appellants’ cattle. The boys struck a match, dropped it in the straw and ran away. Peevy stated that he did not stay and report the fire because he feared being caught and blamed for the fire. As it turned out, Peevy had lost a previous job for allegedly causing a fire on his employer's premises. In the second statement, Peevy stated that on his way home from work, he accidentally threw a lighted cigarette in the straw near appellants’ cattle. He noticed the straw was burning but did not report the fire because he was afraid he would be caught and thrown in jail. Peevy subsequently appeared in Crawford County Court, entered a plea of nolo contendré to a charge of *1201 second degree criminal mischief, and was sentenced to a term of probation.

Appellants filed suit against Hartford as the liability insurer of the Fair Association. 1 Hartford responded, claiming that exculpatory clauses and releases contained in a “Fair booklet” and in Fair entry forms precluded liability. The district court submitted the case to the jury on a number of interrogatories. Responding to the interrogatories, the jury first found that appellants agreed to and accepted the exculpatory clauses. The jury then assigned appellants seventy percent and the Fair Association thirty percent of the fault for the loss. 2 The court, in accordance with the jury verdict, entered judgment in favor of Hartford.

II

Appellants claim that the district court erred in its treatment of the exculpatory-clauses found in the Fair booklet and in Fair entry forms. 3 In addition, appellants claim that the court erred in refusing to admit Peevy’s statements to the police and his subsequent plea of nolo contendere. 4

A. The Exculpatory Clauses

The record reveals that appellants or their agents actually received and read at least some portions of the Fair booklet, see Trial Transcript at 138-40 (testimony of Joe Frensley), 158-59 (testimony of Pat Martin), and printed their names on a line di *1202 rectly below an exculpatory clause in the entry forms. See id,.; Plaintiffs’ Trial Exhibit 6 (Frensley entry form); Plaintiffs’ Trial Exhibit 18 (Martin entry form). Despite these facts, the appellants contend that the trial court erred in admitting evidence concerning the clauses and in denying their motion for a directed verdict on the issue of the validity of the clauses. We disagree.

Under Arkansas law, a contractual clause purporting to release a party from the consequences of its own negligence is strictly construed. See Middleton v. Cato, 251 Ark. 745, 474 S.W.2d 895, 897 (Ark.1972). Moreover, in order to be effective, the clause must set forth the negligent liability that the contracting parties seek to avoid. Id., 474 S.W.2d at 898. Finally, Arkansas courts have refused to enforce exculpatory clauses if they are in contravention of public policy or are unconscionable. See, e.g., id., 474 S.W.2d at 898 (exculpatory clause in bailment contract not enforced, in part for reasons of public policy); Arkansas Power and Light Co. v. Kerr, 204 Ark. 238, 161 S.W.2d 403, 404 (1942) (exculpatory clause in bailment contract not enforced for reasons of public policy); Kohlenberger, Inc. v. Tyson’s Foods, Inc., 256 Ark. 584, 510 S.W.2d 555, 564-66 (1974) (recognizing that under the Arkansas UCC, limitation of recovery for contracting party’s negligence is unenforceable if unconscionable); Dessert Seed Co. v. Drew Farmers Supply, Inc., 248 Ark. 858, 454 S.W.2d 307, 310-11 (1970) (refusing to enforce warranty limitation on public policy and unconscionability grounds where buyer purchased negligently mislabeled seeds).

Applying the above standards, the Fair booklet and entry forms clearly stated that the Fair Association would not be responsible for loss or damage to property while it was on the Fair grounds. The Fair booklet also specifically informed entrants that if they desired to protect their property from fire loss, they should obtain insurance against that risk. See Fair booklet Rule 46. Thus, a jury could conclude that, taken as a whole, the clauses exempted the Fair Association from liability for negligently caused fire damage to property.

Concerning public policy, the fair booklet requires entrants to “care for, guard, protect and preserve” their property. Moreover, the record reflects that, according to standard practice at the fair, the appellants actually cared for their animals while at the fair, and in fact, brought personnel with them for that purpose. See, e.g., Trial Transcript at 190-191 (testimony of Billy Martin). Thus, this ease does not present a situation in which public policy plays a heightened role because the party attempting to exempt itself from liability has agreed to assume complete control over and responsibility for certain property. Cf. Middleton, 474 S.W.2d at 897 (bailment case); Dessert Seed Co., 454 S.W.2d at 310-11 (case in which original supplier was only party able to detect and prevent mislabeling of seed); Arkansas Power and Light Co., 161 S.W.2d at 404 (bailment case).

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856 F.2d 1199, 1988 U.S. App. LEXIS 12707, 1988 WL 95430, Counsel Stack Legal Research, https://law.counselstack.com/opinion/joe-frensley-and-jack-martin-v-national-fire-insurance-company-of-hartford-ca8-1988.