Lusk v. United States Fidelity & Guaranty Co.

199 So. 666
CourtLouisiana Court of Appeal
DecidedJanuary 27, 1941
DocketNo. 17069.
StatusPublished
Cited by33 cases

This text of 199 So. 666 (Lusk v. United States Fidelity & Guaranty Co.) is published on Counsel Stack Legal Research, covering Louisiana Court of Appeal primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Lusk v. United States Fidelity & Guaranty Co., 199 So. 666 (La. Ct. App. 1941).

Opinion

McCALEB, Judge.

The plaintiff, Mrs. Catherine Suzette, widow of John Lusk, brought this suit against the defendant, United States Fidelity & Guaranty Company, the public liability insurer of Touro Infirmary Association, to recover damages for the personal injuries she sustained on May 15, 1934, when she fell on the floor of the corridor situated on the second story of the building owned and operated by the infirmary. The Touro Infirmary has not been made a party to the action and plaintiff is proceeding directly against its insurer by authority of the provisions of Act 55 of 1930.

The pertinent allegations of plaintiff’s petition are that, on May 15, 1934, she visited Touro Infirmary in company with a sick friend; that, after leaving the hospital ward, to which her friend had been assigned, she fell to the floor of the corridor of the second story of the infirmary building; that the fall she sustained was due to the unusual, unsafe and unexpected slipperiness of the corridor floor; that she had no previous warning of its dangerous condition and that the Touro Infirmary was negligent in that its employees had waxed the floor but had failed to rub it down which caused it to be exceedingly slippery and unsafe.

It is further averred that the defendant, United States Fidelity & Guaranty Company, had issued to Touro Infirmary a certain insurance policy known as an owners, landlords and tenants’ public liability policy, which policy was in full force and effect at the time of the accident, whereby the defendant had agreed to pay on behalf of the infirmary all claims for damages for which it was legally liable arising from bodily injury accidentally suffered by any person on its premises and caused by its ownership, maintenance or use of the premises or by reason of the conduct of its business; that the personal injuries suffered by plaintiff are directly attributable to the negligence of the infirmary and that therefore the defendant, as its insurer, is liable to her.

The defendant admits the happening of the accident and that it is the insurer of the Touro Infirmary. It denies, however, any and all responsibility to the plaintiff on the following grounds: (1) that Touro Infirmary is a charitable institution and cannot be held liable for the torts of its agents and servants and that therefore the defendant, as its insurer against legal liability, is likewise not responsible; (2) that the accident to plaintiff was not caused through the negligence of the Touro Infirmary, its agents or employees; (3) alternatively, that, if it should be found that Touro Infirmary was at fault in any particular, then plaintiff is nevertheless not entitled to redress for the reason that she was merely a licensee and not an invitee upon the infirmary’s premises and (4) alternatively, that plaintiff was guilty of contributory negligence barring her recovery.

After a trial of the case on the foregoing issues, there was judgment in favor of the defendant, dismissing plaintiff's suit. Wherefore this appeal.

The first contention of the defendant — that it is not responsible as the insurer of Touro Infirmary because the infirmary is a charitable institution and as such is not liable for the torts of its agents and servants — is not tenable. The doctrine of immunity of a charitable institution, which is founded upon considerations of public policy, is applicable only in cases where the injured person is shown to be a recipient of the benefits of the charity. See Bougon v. Volunteers of America, La.App., 151 So. 797. The plaintiff in this case was merely visiting a sick friend who was confined in the hospital and she was in no sense a beneficiary of the institution. Moreover, even if she had been, the defense interposed is one which is personal to the hospital itself and cannot be availed of by the defendant insurance company. See Messina v. Societe Francaise De Bienfassance, etc., La.App., 170 So. 801, and Rome v. London & Lancashire Indemnity Co., La.App., 169 So. 132.

Disposal of the foregoing point leads us to a discussion of the facts of the case. *668 In support of her demand, plaintiff testified as follows: That about 9 a. m. on the day of the accident, she, in company with a sick friend, Mrs. Catherine Green, and the latter’s niece and nephew, Miss Bernadine Murphy and Louis Schneider, went to the Touro Infirmary for the purpose of entering Mrs. Green as a patient of the institution; that, upon their arrival, they were met by an attendant of the infirmary who put Mrs. Green in a rolling chair and took her to Ward Z, which is situated on the second floor of the main building; that she accompanied Mrs. Green to the ward and assisted in undressing and preparing her for bed; that, after she had put Mrs. Green to bed, she walked out of the ward to the corridor where she was joined by Mr. Schneider and that, after she had taken two or three steps from the door which leads into the corridor, she slipped upon the floor and broke her arm.

Plaintiff’s testimony, with respect to the manner in which the accident happened, is corroborated by the statement of Mr. Schneider and Miss Murphy. In addition, Miss Murphy stated that, shortly after the plaintiff slipped and fell, she also sustained a fall very near to the point on the corridor floor where the plaintiff had been injured.

Plaintiff and her witnesses further say that the floor was very slippery and that none of them was notified of the fact that it was in such condition although Mr. Schneider admits that, just after plaintiff fell, he noticed a sign warning that the floor was slippery and that this sign had been posted near the door of one of the wards adjacent to the corridor.

The evidence submitted by the defendant portrays an entirely different picture of the situation obtaining in and about the corridor at the time of plaintiff’s fall. Defendant’s witnesses not only assert that there were at least five warning signs posted in the corridor, which advised of the slipperiness of the floor, but that, at the time of plaintiff’s fall, one of the employees of the hospital was actually engaged in waxing and polishing the floors with a large machine.

Gus Tavis, a colored man who has been employed at Touro Infirmary for a number of years as a floor cleaner, testified that, on the morning of the accident, he had been directed to wash, wax and polish the floor of the corridor of the second floor of the main building; that the floor of the corridor is covered with a material known as Stedman rubberized tile; that, in cleaning and polishing the floor, he first washes it with soap and water and then, after it dries, he waxes it with a large machine which is operated by electricity; that the wax is placed on the floor in liquid form by the machine and that, after this is done, the machine is run over it and polishes it.

He further says that, when he is polishing the floors of the hospital, he places a number of wooden signs in and about the vicinity in which the work is • being done; that these signs are about' three feet in height and bear the words “Warning Slippery Floor”; that, on the day of the accident, he placed six of these signs in and about the corridor where the work was being done at the following locations: A sign at each of the two entrances to the corridor; a sign in front of each of the three wards (X Y Z) which are adjacent to the corridor and the other sign was placed by the polishing machine and was moved along with the machine as the work was being done.

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Bluebook (online)
199 So. 666, Counsel Stack Legal Research, https://law.counselstack.com/opinion/lusk-v-united-states-fidelity-guaranty-co-lactapp-1941.