Plessen Eye, LLC v. Marshall & Sterling Enterprises, Inc., Marshall & Sterling St. Croix, and Certain Underwriters at Lloyd’s of London on Policy No. B1230GP02941A17

CourtDistrict Court, Virgin Islands
DecidedDecember 10, 2025
Docket1:25-cv-00026
StatusUnknown

This text of Plessen Eye, LLC v. Marshall & Sterling Enterprises, Inc., Marshall & Sterling St. Croix, and Certain Underwriters at Lloyd’s of London on Policy No. B1230GP02941A17 (Plessen Eye, LLC v. Marshall & Sterling Enterprises, Inc., Marshall & Sterling St. Croix, and Certain Underwriters at Lloyd’s of London on Policy No. B1230GP02941A17) is published on Counsel Stack Legal Research, covering District Court, Virgin Islands primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Plessen Eye, LLC v. Marshall & Sterling Enterprises, Inc., Marshall & Sterling St. Croix, and Certain Underwriters at Lloyd’s of London on Policy No. B1230GP02941A17, (vid 2025).

Opinion

DISTRICT COURT OF THE VIRGIN ISLANDS DIVISION OF ST. CROIX ║ PLESSEN EYE, LLC, ║ ║ Plaintiff, ║ 1:25-cv-00026-WAL-EAH v. ║ ║ MARSHALL & STERLING ║ ENTERPRISES, INC., MARSHALL & ║ STERLING ST. CROIX, and ║ CERTAIN UNDERWRITERS AT ║ LLOYD’S OF LONDON ON POLICY ║ NO. B1230GP02941A17, ║ ║ Defendants. ║ ________________________________________________ ║

TO: Lee J. Rohn, Esq. Gregory Lee Mast, Esq. John Golden, Esq. Robert J. Kuczynski, Esq.

ORDER THIS MATTER comes before the Court on Defendant Marshall & Sterling Enterprises, Inc.’s Motion to Stay Discovery Pending a Ruling on Defendant’s Motion to Dismiss for Lack of Personal Jurisdiction and Plaintiff’s Motion for Remand, filed on August 14, 2025 by Defendant Marshall & Sterling Enterprises, Inc. (“Enterprises”). Dkt. No. 39. Plaintiff Plessen Eye, LLC opposed the motion, Dkt. No. 51, and Enterprises filed a reply, Dkt. No. 57. For the reasons that follow, the Court will grant the motion and stay discovery against Enterprises and will sua sponte stay discovery against Defendant Marshall & Sterling St. Croix. BACKGROUND On June 11, 2025, Defendant Certain Underwriters at Lloyd’s of London on Policy No. B1230GP02941A17 (“Underwriters”) removed this matter from the Superior Court of the Virgin Islands to this Court on the basis that the Convention on the Recognition and Plessen Eye, LLC v. Marshall & Sterling Enters., Inc. 1:25-cv-00026-WAL-EAH Order Page 2

Enforcement of Foreign Arbitral Awards (the “Convention”), implemented by the United States under the Federal Arbitration Act (“FAA”), conferred jurisdiction. Dkt. No. 1 at 4. Defendants Marshall & Sterling St. Croix (“M&S STX”) and Enterprises did not object to removal. Id. at 3. The action arose out of an insurance policy covering Plessen’s property located in Christiansted, St. Croix. Plessen asserted that the Defendants breached the policy in responding to its claims following damage caused by Hurricane Maria in 2017. Id. at 2. The original complaint was filed in Superior Court in September 2019 naming Marshall & Sterling Inc., Marshall & Sterling St. Croix, and Thompson Heath & Bond, Ltd. as Defendants. Dkt. No. 1-1 at 2-21. Litigation proceeded there in the Complex Litigation Division, where numerous insurance coverage cases had been grouped together as part of the “In re: Hurricane Maria Insurance Cases.” Id. at 128. Plessen moved to amend the complaint in November 2020 to replace Thompson Health & Bond as a defendant with Underwriters1; the court granted the motion in March 2022. Dkt. No. 1-1 at 128-30. Plessen filed a Second Amended Complaint (“SAC”) in Superior Court on March 24, 2022. Dkt. No. 1-1 at 133-53. It alleged that Enterprises and M&S STX were agents for Underwriters and participated in policy/practice decisions and underwriting related to its claim. Id. ¶¶ 10-12. Defendants sought out Plessen to serve its insurance needs; Plessen

1 Plessen learned that Thompson Heath & Bond “was not Plaintiff’s insurer, but rather a member of the Lloyd’s of London syndicate underwriting Plaintiff’s insurance” and thus that Underwriters is the correct Defendant Dkt. No. 1-1 at 77. The SAC merely replaced Defendant Marshall & Sterling Inc. with Enterprises as a Defendant without specifically seeking leave to do so. Id. at 84, 133. Plessen Eye, LLC v. Marshall & Sterling Enters., Inc. 1:25-cv-00026-WAL-EAH Order Page 3

agreed, relying on the Defendants to properly underwrite its policies to cover against losses. Id. ¶¶ 19, 20. The SAC further alleged that, following Hurricane Maria (September 19, 2017), Plaintiff timely submitted claims to M&S STX and Enterprises; Underwriters, in concert with both M&S Defendants, provided adjustment services for losses sustained. Id. ¶¶ 33, 34. The Defendants allegedly committed misconduct regarding Plaintiff’s rights under the policy, including hiring incompetent adjusters, misinterpreting the policy to withhold payment, failing to pay Plaintiff pursuant to the policy, and misrepresenting the nature and extent of insurance coverage. Id. ¶¶ 36-46. Plessen asserted ten causes of action: negligent/intentional misrepresentation (Count I); breach of the covenant of good faith and fair dealing (Count II); breach of duty to properly underwrite insurance policies and adjust claims (Count III); equitable estoppel (Count IV); violation of 22 V.I.C. § 228(a) (Count V); breach of fiduciary duty (22 V.I.C. §§ 2, 1201, 1204, 1209) (Count VI); violation of 29 V.I.C. § 310 (Count VII); breach of contract (Count VIII); deceptive trade practices (Count IX); and negligent contracting relationship with adjustment agency (Count X). On the same day that Underwriters removed the case to district court, it filed a Motion to Dismiss or, in the alternative, for a more definite statement, Dkt. No. 2, as well as a Motion to Compel Arbitration, Dkt. No. 3. A. M&S STX’s Answer and Enterprises’ Motion to Dismiss On June 17, 2025, M&S STX filed an answer, Dkt. No. 6, and on June18, 2025, it filed a notice of no objection to Underwriters’ Motion to Compel Arbitration. Dkt. No. 12. On June Plessen Eye, LLC v. Marshall & Sterling Enters., Inc. 1:25-cv-00026-WAL-EAH Order Page 4

18, 2025, Enterprises filed a Motion to Dismiss for lack of personal jurisdiction. Dkt. Nos. 8, 9. It cited two allegations from the SAC about Enterprises’ connection to the dispute: 5. Defendant Marshall & Sterling Enterprises, Inc. controls and participates in the establishment of the policies and procedures of Defendant Marshall & Sterling St. Croix and oversees the operations of the same. . .

11. Upon information and belief, the Marshall & Sterling Defendants participated in the policy and practice decisions and in the underwriting and adjustment decisions related to Plaintiff’s claim.

Id. at 2 (quoting Dkt. No. 1-1 at ¶¶ 5, 11). To establish personal jurisdiction in the Virgin Islands over a nonresident defendant, a plaintiff must assert a statutory basis under the V.I. Long-Arm Statute and the defendant must have minimum contacts with the Virgin Islands sufficient to satisfy constitutional due process. Id. at 3. Minimum contacts may be established by general jurisdiction or specific jurisdiction. Enterprises contended there was no general jurisdiction because Enterprises was not incorporated in the Virgin Islands (it was a New York corporation), did not maintain its principal place of business in the Territory, nor could it be considered at home in the Territory. Dkt. No. 9 at 1, 3, 5. In addition, there was no specific jurisdiction. Three provisions of the V.I. Long-Arm Statute may be relevant: if the entity transacts any business in the territory, causes tortious injury by an act or omission in the territory, or causes tortious injury in the Territory by an act or omission outside the Territory if it regularly does business or engages in a persistent course of conduct in the Territory. Id. at 4-5 (quoting 5 V.I.C. § 4903(a)(1), (3), (4)). Enterprises did not transact business in the Virgin Islands, as averred in its President & CEO’s attached Declaration, Dkt. No. 9-1, and it did not engage in any act or omission in the Plessen Eye, LLC v. Marshall & Sterling Enters., Inc. 1:25-cv-00026-WAL-EAH Order Page 5

Territory that caused Plaintiff harm, since the two allegations about it concern overseeing the operations of its local subsidiaries. Rather, M&S STX established its own policies and procedures and made decisions regarding its role as an insurance broker. Id. at 6-7. Further, exercising jurisdiction over Enterprises would offend the Due Process Clause. Owning a subsidiary does not necessarily subject the parent corporation to jurisdiction; in order to do so, the Plaintiff must allege that the parent is the alter ego of the subsidiary, which it did not do. Id. at 7. Oversight of the subsidiary and centralization of services are not grounds to impute the subsidiary’s contacts to its parent. Id.

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Bluebook (online)
Plessen Eye, LLC v. Marshall & Sterling Enterprises, Inc., Marshall & Sterling St. Croix, and Certain Underwriters at Lloyd’s of London on Policy No. B1230GP02941A17, Counsel Stack Legal Research, https://law.counselstack.com/opinion/plessen-eye-llc-v-marshall-sterling-enterprises-inc-marshall-vid-2025.