Motekaitis v. USI Insurance Services National, Inc.

District Court, N.D. California·Decided July 24, 2025·No. 3:24-cv-00885·Unknown

Opinion

PAUL MOTEKAITIS, et al., Case No. 24-cv-00885-RS Plaintiffs, v. ORDER GRANTING MOTION FOR USI INSURANCE SERVICES, LLC, et al., Defendants.

Plaintiffs Paul Motekaitis and Carri Mangelli Kneass aver that they were defamed by a long list of Defendants, including their former employer USI Insurance Services, LLC and its employees James D. Kane, Karen Mondshine, Scott Pinette, Cindy Gross, Ernest J. Newborn, II, and Mike Sicard. In essence, Plaintiffs claim that USI and its top brass harmed them by writing and then widely disseminating a maliciously false email about the circumstances of Plaintiffs’ split with the firm. The above-named Defendants now move for summary judgment on all claims, arguing that their communication was privileged and, in the alternative, that it contains only true or opinion statements. For the reasons explained below, the summary judgment motion is granted. This order assumes the parties’ familiarity with the facts, discussed briefly below. In relevant part, the operative third amended complaint (“TAC”) avers that Defendants sent an email Prior to the email, Motekaitis and Kneass, insurance brokers, had managed the San Francisco private risk management group of Defendant USI Insurance Services (“USI”), a national insurance brokerage firm.1 In December 2022, Cincinnati Insurance Company (“CIC”), an insurance carrier that partners with USI, alerted Kneass that another USI employee in her office had changed a date on a document in order to obtain an insurance quote. More specifically, it determined that one of Plaintiffs’ team members, Winnie So, had submitted a falsified city building inspection report, which she had altered to show that a particular residence had a bolted foundation (contrary to what the actual report had shown). This falsification violated USI’s code of conduct. Plaintiffs responded to CIC’s representative that they had notified USI human resources and that they would be auditing all the accounts that their subordinate had worked on during the past six months. They also said they would assign all CIC accounts to another employee. Yet, in depositions, Plaintiffs conceded that they did not report the incident to USI’s HR department or anyone else at the firm, including the compliance or legal teams. A later investigation found that the incident was never brought to the attention of USI HR or Legal teams. Nor did Plaintiffs audit all the accounts on which So had worked—instead they conducted a “spot audit” in which Kneass looked at “building permits for two clients [from four carriers],” comparing them to online examples, and Motekaitis audited five clients. See Kneass Tr., Dkt. No. 107-5, at 38–39. As for assigning the CIC accounts to another employee, Plaintiffs did not; So continued to work on CIC business, though Plaintiffs asked other team members to check her work—and did not permit her to communicate with CIC while working on its accounts. In April 2023, CIC contacted Kneass again because So was still working on CIC accounts. Kneass said she was unaware of that fact and would put a stop to it. Nevertheless, So continued to

1 Defendant Kane is USI’s national practice leader of personal lines; Mondshine is USI’s national director of personal risk operations; Newborn is USI’s general counsel; Sicard is USI’s CEO; Gross is an account executive at USI; and Pinette is a project manager in the personal risk operations department of USI. work on the accounts, with supervision by other team members. On September 18, 2023, CIC discovered another falsified document submitted by Plaintiffs’ team. CIC also learned that So was still working on its business. CIC’s employee, Ulli Krell, emailed Kneass, questioning why it allowed her “to continue working on Cincinnati business after you had assured us she wouldn’t?” Ex. B-5, Dkt. No. 107-8, at 2. He also questioned how the audit had missed the falsification, considering that it dated back to April 2022 (before the initial incident). Krell then escalated matters a few days later, emailing Kane on September 22 to voice CIC’s concerns about the fraudulent submissions and So’s continued involvement on the accounts despite Kneass and Motekaitis’s assurances to the contrary. Krell also emailed Plaintiffs that same day, explaining that CIC would not accept any new business from them and would now be coordinating with USI’s senior leadership instead of the San Francisco office. USI, meanwhile, undertook an extensive investigation into CIC’s concerns, reviewing the reports of falsification and Plaintiffs’ response, examining So’s email records (as well as those of Alyssa Motekaitis, Motekaitis’s daughter, who also worked in the office), interviewing Plaintiffs, scrutinizing Kneass’s spot-check audit; and consulting the firm’s internal code of conduct and employee handbook. See generally USI Internal Investigation Report, Dkt. No. 107-21. During the course of the review, So and Alyssa Motekaitis admitted that they falsified the two documents CIC identified and denied altering at least eight other falsified documents that USI discovered. They had used PDF editing tools to manipulate certain words. Although USI found no evidence that the two colluded with each other or anyone else, it determined that Plaintiffs failed to follow USI’s Code of Business Conduct and also failed to notify USI leadership, HR, compliance, or legal teams about the incidents. Plaintiffs’ actions, including their misleading statements about whether So would continue working on CIC work and their misdirection about having conducted a complete audit, amounted to, in USI’s findings, an ethical failure. USI made plans to terminate So and Alyssa Motekaitis, but the pair resigned before termination occurred. It also notified Plaintiffs, on January 19, 2024, that they were being terminated as well. That same day, Kane sent an email to clients serviced by Plaintiffs’ team to explain the situation. See generally, the Kane Email, Dkt. No. 107-11. In relevant part, the email stated: Recently, one of our insurance company partners brought to my attention several instances where employees of that specific PRM group submitted information that had been altered from the information provided by the PRM clients. The insurance company raised this issue with me directly because they had not received an adequate response from that specific PRM groups’ leaders, Paul Motekaitis and Carri Mangelli. After the insurance company brought this issue to my attention, USI thoroughly investigated these incidents and confirmed that two employees of that specific San Francisco based PRM group had intentionally falsified property information on multiple submissions to that company. One of the two employees involved with these false submissions was a close family member of Paul Motekaitis. Both employees ultimately confessed that they had falsified certain client’s property information to place unqualified properties in the insurance company’s program. I should note that not only were these actions a serious breach of trust, and an egregious violation of USI’s standards of business conduct, but the falsified documents could also have easily led to a full denial of coverage in the event of any loss at these properties. At the conclusion of USI’s investigation, the two PRM employees responsible for the false information both resigned immediately prior to USI terminating their employment — they are no longer employed by USI. The insurance company has advised us that it has reported both former PRM employees to the California Department of Insurance for the violation of their respective brokerage licenses. … USI has terminated the employment of the PRM leaders, Paul Motekaitis and Carri Mangelli, who were responsible for supervising the two former employees. Paul and Carri not only failed to notify USI Leadership or USI Compliance when these extremely serious issues were raised by the insurance carrier, they did not adequately investi

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Motekaitis v. USI Insurance Services National, Inc., (N.D. Cal. 2025).

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