Lepore, D. v. Liberty Mutual Fire Ins.

CourtSuperior Court of Pennsylvania
DecidedJanuary 15, 2025
Docket378 EDA 2024
StatusUnpublished

This text of Lepore, D. v. Liberty Mutual Fire Ins. (Lepore, D. v. Liberty Mutual Fire Ins.) is published on Counsel Stack Legal Research, covering Superior Court of Pennsylvania primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Lepore, D. v. Liberty Mutual Fire Ins., (Pa. Ct. App. 2025).

Opinion

J-S38016-24

NON-PRECEDENTIAL DECISION - SEE SUPERIOR COURT O.P. 65.37

DAN LEPORE & SONS COMPANY : IN THE SUPERIOR COURT OF : PENNSYLVANIA Appellant : : : v. : : : LIBERTY MUTUAL FIRE INSURANCE : No. 378 EDA 2024 COMPANY, SHEILANN P. HEWITT, : STYLIADES MEZZANOTTE & HASSON :

Appeal from the Order Entered December 19, 2023 In the Court of Common Pleas of Philadelphia County Civil Division at No(s): 200801668

BEFORE: STABILE, J., BECK, J., and STEVENS, P.J.E.*

MEMORANDUM BY BECK, J.: FILED JANUARY 15, 2025

Dan Lepore & Sons Company (“Lepore”) appeals from the order entered

by the Philadelphia County Court of Common Pleas (“trial court”) granting the

motion for summary judgment filed by Liberty Mutual Fire Insurance Company

(“Liberty”), denying Lepore’s motion for summary judgment, and directing

that judgment be entered in favor of Liberty in the amount of $112,437.49.1

Lepore argues that summary judgment was erroneously entered because

there are genuine issues of material fact related to its breach of contract and

____________________________________________

* Former Justice specially assigned to the Superior Court.

1 Sheilann P. Hewitt (“Hewitt”), and Styliades, Mezzanote & Hasson (the “Firm”), a law firm in Liberty’s Corporate Law Division, are no longer parties to this action. J-S38016-24

bad faith claims against Liberty based upon the terms of the workers’

compensation and employer’s liability insurance policy (“Policy”).

Additionally, Lepore argues the trial court erred in finding that it owed money

to Liberty for defending Lepore under the Policy. Upon review, we affirm.

Lepore is a masonry restoration and construction contractor. In 2015,

Liberty issued the Policy to Lepore. The parties renewed the Policy in 2016.

Relevantly, the Policy stated the following, regarding workers’ compensation

insurance:

PART ONE – WORKERS COMPENSATION INSURANCE

A. How This Insurance Applies

This workers compensation insurance applies to bodily injury by accident…

1. Bodily injury by accident must occur during the policy period.

***

C. We Will Defend –

We have the right and duty to defend at our expense any claim, proceeding or suit against you for benefits payable by this insurance. We have the right to investigate and settle these claims, proceedings, or suits. We have no duty to defend a claim, proceeding or suit that is not covered by this insurance.

Policy, 1/1/2015, at 2.

Under the Policy, the deductible amount for bodily injury by accident

was $350,000 per claim. Pennsylvania Deductible Endorsement, 1/1/2015,

at 1. The endorsement further explained the applicability of the deductible:

-2- J-S38016-24

A. How This Deductible Applies
1. Each Occurrence; Each Claim

You are responsible, and you agree to reimburse us, up to the deductible amount shown above, for this total of:

a. All benefits required of you by the workers compensation law … plus b. All sums you legally must pay as damages; plus c. All “allocated loss adjustment expense” as part of any claim or suit we defend;

Because of (1) bodily injury by accident to your employees arising out of any one “occurrence”…

We are responsible for those amounts of benefits, damages and “allocated loss adjustment expense” that exceed the applicable deductible amount shown above. We will not seek reimbursement of those amounts from you; the premium for them will be determined in accordance with PART FIVE – PREMIUM of the policy.

We may advance the part of all of the deductible amount used to settle any claim, proceeding or suit. You will reimburse us promptly for any amount(s) we have so advanced.

C. Definitions

1. “Allocated loss adjustment expense” means claim adjustment expense directly allocated by us to a particular claim. Such expense shall include, but shall not be limited to, attorneys’ fees for claims in suit, court and other specific items of expense such as medical examination, expert medical or other testimony, laboratory and X-ray, autopsy, stenographic, witnesses and summonses, and copies of documents. …

D. Conditions …
2. Your Duties

-3- J-S38016-24

a. The first Named Insured shown in the Information Page agrees and is authorized on behalf of all Named Insureds to reimburse us for all deductible amounts that we advance.

Id. at 1-3.

In 2015 and 2016, during the policy periods under the Policy,

Christopher Campana (“Campana”) worked as a foreman for Lepore. Due to

a slowdown in business, Campana accepted a voluntary layoff from Lepore,

and subsequently submitted an unemployment compensation claim, which

was approved by Lepore. In 2018, Campana filed three claim petitions against

Lepore under the Pennsylvania Workers’ Compensation Act.2 Campana

alleged that he suffered injuries on three separate occasions between 2015

and 2016. Upon receiving notice of the workers’ compensation claims, Liberty

assigned the matter to Hewitt, an attorney at the Firm. Hewitt took

depositions, contacted an investigator to conduct surveillance, and consulted

with an expert.

Campana’s petition was initially assigned to Judge Andrea McCormick.

Judge McCormick conducted hearings, but had not issued a decision when she

was removed from her position based on claims of judicial misconduct in

October 2018. The case was reassigned to Judge Sandra Craig. On February

14, 2019, Judge Craig found in favor of Campana and against Lepore. Judge

Craig found that although Campana had not immediately filed reports of his

2 77 P.S. §§ 1-1041.4, 2501-2710.

-4- J-S38016-24

injuries, she found that Lepore employees knew about the injuries. She

ordered payment of the benefits at the statutory rate, medical expenses, costs

of litigation, a $1,500 penalty and allocation of 17% of Campana’s benefits to

his counsel.

Lepore appealed the decision to the Workers’ Compensation Appeal

Board. However, before the appeal was decided, the parties agreed to a

compromise and release agreement which included a lump sum to Campana

of $186,750 and $38,250 to Campana’s counsel, for a total settlement of

$225,000. Following the settlement, Liberty sent Lepore deductible billing

statements. Lepore did not pay all the invoiced amounts.

On August 20, 2020, Lepore initiated the instant proceedings by filing a

complaint against Hewitt, the Firm, and Liberty and raised numerous claims,

including bad faith, breach of contract, and professional negligence. After

further proceedings not relevant to this appeal, on June 30, 2021, Lepore filed

a third amended complaint, listing Liberty as the only defendant and raising

claims of breach of contract and bad faith. In its breach of contract claim,

Lepore averred Liberty materially breached the Policy by failing to provide an

adequate defense of Campana’s claims; utilizing the high deductible on the

Policy to direct its defense obligations and placing its own interests above

Lepore’s interest, and hiring the attorneys of the Firm, which were controlled

by Liberty, created a conflict of interest. Lepore also raised a bad faith claim.

Liberty filed an answer and counterclaim. In the counterclaim, Liberty averred

-5- J-S38016-24

that under the terms of the Policy, Lepore was responsible for a $350,000

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