Riverside Engineering Incorporated v. Gemini Insurance Company

CourtDistrict Court, D. Arizona
DecidedSeptember 12, 2024
Docket2:23-cv-02465
StatusUnknown

This text of Riverside Engineering Incorporated v. Gemini Insurance Company (Riverside Engineering Incorporated v. Gemini Insurance Company) is published on Counsel Stack Legal Research, covering District Court, D. Arizona primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Riverside Engineering Incorporated v. Gemini Insurance Company, (D. Ariz. 2024).

Opinion

1 WO 2 3 4 5 6 IN THE UNITED STATES DISTRICT COURT 7 FOR THE DISTRICT OF ARIZONA

9 Riverside Engineering Incorporated, No. CV-23-02465-PHX-DWL

10 Plaintiff, ORDER

11 v.

12 Gemini Insurance Company,

13 Defendant. 14 15 In 2018, Riverside Engineering Incorporated (“Riverside”) entered into a purchase 16 agreement with non-party MetalX, LLC (“MetalX”) to provide MetalX with a Model M- 17 88 SHD Shredder (“Shredder”). In 2020, after a series of Shredder malfunctions, MetalX 18 filed a demand for arbitration against Riverside. Riverside, in turn, filed a claim with its 19 insurance provider, Gemini Insurance Company (“Gemini”), seeking to invoke Gemini’s 20 duty to defend under the parties’ insurance policy. Gemini declined to defend Riverside. 21 Riverside then filed a demand for arbitration against Gemini. In October 2023, the 22 arbitration panel granted summary judgment in favor of Gemini, finding that Gemini did 23 not have a duty to defend Riverside. Riverside then brought this action against Gemini and 24 moved to vacate the arbitration award. (Doc. 2.) Gemini, in turn, moved to confirm the 25 arbitration award. (Doc. 15.) 26 For the reasons that follow, Riverside’s motion to vacate the arbitration award is 27 denied and Gemini’s cross-motion to confirm the arbitration award is granted. 28 … 1 BACKGROUND 2 I. Relevant Factual Background 3 A. The Riverside-MetalX Dispute 4 On March 2, 2018, Riverside and MetalX entered into a purchase agreement 5 (“Purchase Agreement”) for the Shredder to be installed at MetalX’s facility. (Doc. 4-1 at 6 211-43.) The Purchase Agreement provided for arbitration of “a dispute arising in 7 connection with this Agreement.” (Id. at 217.) The section entitled “Warranties and 8 Liability for Defective Equipment” provided in relevant part that Riverside “warrants for 9 the period of eighteen (18) months from the date of delivery . . . that the Equipment will be 10 free from defects of every kind and nature in material, design and workmanship (including 11 latent defects). . . . [MetalX] shall, upon discovery of such defects or nonconformities, 12 notify [Riverside], and [Riverside] shall promptly correct such defects or 13 nonconformities. . . . [I]f [MetalX’s] limited remedy fails of its essential purpose, 14 [MetalX] shall have all of its remedies as provided by law.” (Id. at 214-15, emphasis 15 omitted.) 16 Beginning in February 2019, the Shredder began to malfunction. (Id. at 195-201.) 17 After the first malfunction, Riverside and Quad Plus, LLC (“Quad Plus”), the company 18 that designed the motors for the Shredder, disclaimed any further responsibility, thus 19 imposing the repair costs on MetalX. (Id. at 196-98.) 20 On December 11, 2020, MetalX filed a demand for arbitration against Riverside 21 (the “Demand”). (Id. at 194-209.) In the section of the Demand entitled “Defects,” MetalX 22 described three “major motor event[s]” and other malfunctions involving the Shredder: 23 (1) in February 2019, one of the Shredder’s motors (the “East Motor”) failed, “MetalX 24 immediately notified Riverside of the East Motor failure,” and Quad Plus and Riverside 25 (defined together in the Demand as the “Riverside Team”) “informed MetalX that the 26 failure was a rare case of bad windings”; (2) in May 2019, the East Motor failed (as did the 27 drive cabinet), MetalX notified the Riverside Team, and “[t]he Riverside Team refused to 28 accept responsibility for the failure”; and (3) on August 20, 2019, the other Shredder motor 1 (the “West Motor”) failed, MetalX notified the Riverside Team, and “the Riverside Team 2 refused to provide warranty coverage.” (Id. at 195-98.) The Demand asserted three claims 3 against Riverside: Count I, breach of warranty; Count II, negligent planning, designing, 4 and engineering; and Count III, breach of contract. (Id. at 204-08.) 5 B. The Gemini Insurance Policy 6 On May 20, 2020, Riverside entered into a contract with Gemini for the provision 7 of insurance (the “Policy”). (Id. at 34-86.) The Policy covered the period from June 1, 8 2020 to June 1, 2021 (the “Policy Period”) and referred to Riverside as the “Insured” and 9 Gemini as the “Company.” (Id. at 34.) The Policy provided, in relevant part, that: 10 B. Defense. As part of and subject to the Limits of Liability, the 11 Company shall have the right and duty to defend, any Claim against the Insured, to which this Policy applies, even if any of the allegations 12 of the Claim are groundless, false, or fraudulent. However, the 13 Company shall have no duty to defend any Claim, and may withdraw from the defense of any Claim, after the applicable Limits of Liability 14 have been exhausted by Damages and/or Claim Expenses. 15 (Id. at 37, emphases in original.) The Policy also defined various bolded terms, including: 16 E. “Claim” means a demand received by the Insured for money or 17 services and alleging a Wrongful Act, including the service of suit or 18 institution of arbitration, mediation or other formal alternative dispute resolution proceeding. Claim shall not include a demand for 19 equitable, non-pecuniary or injunctive relief or for legal fees or 20 expenses in connection therewith. 21 . . . . 22 O. “Professional Services” means only those services the Insured is 23 legally qualified to perform for others in the Insured’s capacity as an architect, engineer, land surveyor, landscape architect, construction 24 manager, interior designer, land planner, space planner, expert 25 witness, scientist or technical consultant with respect to the foregoing listed services. 26 . . . . 27 28 T. “Wrongful Act” means any actual or alleged negligent act, error or omission committed or attempted solely in the performance of or 1 failure to perform Professional Services by an Insured or by any other person for whose acts the Named Insured is legally liable. 2 3 (Id. at 38-41, emphases in original.) 4 The section entitled “Limits of Liability” provided in relevant part that: 5 E. Multiple Insureds, Claims and Claimants. The inclusion herein of 6 more than one Insured shall not operate to increase the Company’s Limits of Liability. Claims alleging, based upon, arising out of or 7 attributable to the same or related Wrongful Act(s) shall be treated as 8 a single Claim regardless of whether made against one or more than one Insured. All such Claims, whenever made, shall be considered 9 first made at the date of the earliest of such Claims, and if that date 10 falls within the Policy Period, the Automatic Extended Reporting Period, or Optional Extended Reporting Period, if purchased, in which 11 the earliest Claim arising out of such Wrongful Act(s) was first 12 made, all such Claims shall be subject to the Limits of Liability and retention set forth in such Policy. 13 14 (Id. at 46, emphases in original.) 15 The Policy also included a “Discovery Clause”: 16 B. Discovery Clause. If during the Policy Period any Insured first 17 becomes aware or has reasonable grounds to suspect that an Insured has committed or may have committed a Wrongful Act for which 18 coverage is otherwise provided hereunder, and provided the Insured 19 during the Policy Period gives notice to the Company of: 20 1. a description of the anticipated Wrongful Act that may be alleged; 21 2. the nature of the potential injury, monetary or non-monetary damages which could result from such anticipated Wrongful Act; and 22 23 3. the circumstances by which the Insured first became aware of or suspected such anticipated Wrongful Act; 24 then any Claim that may subsequently be made against any Insured 25 arising out of such anticipated Wrongful Act shall be deemed for the 26 purposes of this insurance to have been made during the Policy Period. 27 28 (Id.

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Riverside Engineering Incorporated v. Gemini Insurance Company, Counsel Stack Legal Research, https://law.counselstack.com/opinion/riverside-engineering-incorporated-v-gemini-insurance-company-azd-2024.