Sandbox Mutual Insurance CO. v. CE Design, Ltd.

Appellate Court of Illinois·Decided September 8, 2026·No. 1-25-0379·Published

Opinion

2026 IL App (1st) 250379

No. 1-25-0379

First Division

September 8, 2026

IN THE

APPELLATE COURT OF ILLINOIS FIRST DISTRICT

SANDBOX MUTUAL INSURANCE CO., ) Appeal from the f/k/a Saskatchewan Mutual Insurance Co., ) Circuit Court of ) Cook County.

Plaintiff-Appellant, )

)

v. ) No. 24 CH 02936 )

CE DESIGN, LTD., on behalf of a certified ) class, and HOMEGROWN ADVERTISING, ) Honorable INC., ) Thaddeus L. Wilson, ) Judge, Presiding.

Defendants-Appellees. )

JUSTICE COBBS delivered the judgment of the court, with opinion.

Justices Smith and Howse concurred in the judgment and opinion.

OPINION

¶1 On April 8, 2024, Sandbox Mutual Insurance Company filed a complaint in the circuit court of Cook County seeking a declaration, pursuant to section 2-701 of the Code of Civil Procedure (Code) (735 ILCS 5/2-701 (West 2024)), as to which of two competing judgments has priority, one entered in its favor in Saskatchewan, Canada, and the other entered in CE Design, Ltd.’s favor in the circuit court of Lake County, Illinois. The Cook County circuit court, finding that the controversy was not yet ripe for decision, dismissed the complaint for lack of subject-

matter jurisdiction, pursuant to section 2-619(a)(1) of the Code (id. § 2-619(a)(1)). Plaintiff timely filed this appeal.

¶2 I. BACKGROUND

¶3 The historical facts leading up to this appeal have been taken from the various pleadings and the exhibits contained in the record. Over the course of this litigation, court proceedings have toggled between, and sometimes overlapped, in the courts in Illinois and in Canada. Every effort has been made to identify clearly in which court, and on which dates various proceedings occurred.

¶4 Relevant here, Sandbox Mutual Insurance Co. (SMI), is an insurance company based in Saskatoon, Saskatchewan, Canada. Defendant, CE Design, Ltd. (CE Design), is an Illinois-based corporation, engaged in the business of litigating violations of the Telephone Consumer Protection Act of 1991 (TCPA) (47 U.S.C. § 227 (2024)). Homegrown Advertising (Homegrown) is a “defunct” Canadian marketing company based in Regina, Saskatchewan, Canada. Effective from September 15, 2004, to January 21, 2005, SMI issued a commercial liability insurance policy to Homegrown. The policy provided coverage for bodily injury and property damage, with a $500 deductible per occurrence, excluding liability arising from advertising, and policy limits of $2 million.

¶5 In 2005, CE Design filed a class action complaint in the circuit court of Lake County, Illinois, against Franklin Edison Corp., Homegrown Advertising, Inc., Monty Loree, and Lisa Loree (collectively, Homegrown) (No. 04 L 1048), alleging violations of the TCPA. Specifically, the complaint alleged claims for (1) sending or having an agent send unsolicited faxed advertisements into the United States, (2) common-law conversion, and (3) statutory unfair practice.

¶6 According to SMI’s 2024 complaint for declaratory relief, Homegrown failed to notify SMI of the case and retained its own counsel in Illinois. SMI was not notified about the litigation until May 2006, at which time it appointed an adjuster for the claim who determined that there was no coverage under the policy for CE Design’s claims. On June 23, 2006, SMI notified Homegrown that there was no coverage.

¶7 Ultimately, CE Design and Homegrown entered into a settlement agreement. Pursuant to the agreement, Homegrown assigned all of its rights under the policy to CE Design; Homegrown agreed to a consent judgment in the amount of $5 million, enforceable only against SMI; each member of the class, including CE Design, would receive not more than $500; a third of the recovery was to be paid to class counsel; and an incentive award of $4,000 was to be paid to CE Design. On February 15, 2007, the circuit court of Lake County entered judgment in CE Design’s favor, and against Homegrown, in the amount of $5 million, to be satisfied solely from the SMI policy.

¶8 Subsequently, on March 2007, CE Design mailed a citation to discover assets to SMI. In April 2007, outside counsel for SMI sent a letter to the clerk of the court in Lake County advising that SMI denied coverage on the claim. On April 26, 2007, CE Design filed a motion for turnover of the policy proceeds and noticed the motion for presentment on May 3, 2007. On May 3, 2007, the Lake County circuit court granted CE Design’s motion and entered a default judgment against SMI in the amount of $5,095,031. SMI’s 2024 complaint for declaratory relief alleges that neither SMI nor its counsel received notice of the policy proceeds turnover motion.

¶9 Meanwhile, on October 1, 2007, CE Design filed a petition in Saskatchewan, Canada (“Queen’s Bench Action 1195 of 2007”), seeking to register the Illinois judgment against SMI pursuant to the Foreign Judgments Enforcement Act of Saskatchewan. SMI was served with and

opposed the petition. Subsequently, in December 2007, CE Design was granted leave by the Lake County circuit court to issue a second citation to discover assets.

¶ 10 On January 8, 2008, following a hearing on CE Design’s petition, the Queen’s Bench for Saskatchewan entered an order in favor of SMI finding that “[t]he notice of commencement of action (the May 3, 2007 motion) was never received by SMI and on that basis the application to register the judgment must fail.” CE Design Ltd. v. Saskatchewan Mutual Insurance Co., 2008 SKQB 12, ¶ 19, 315 Sask. R. 91 (Can. Sask. Q.B.). The Queen’s Bench also awarded $1,000 in costs to SMI. CE Design did not appeal the judgment, neither did it pay to SMI the ordered costs.

¶ 11 Thereafter, on January 25, 2008, counsel for SMI filed a motion in the circuit court of Lake County to dismiss CE Design’s second citation to discover assets. In the motion, counsel alleged that SMI was not subject to personal jurisdiction in Illinois and that Canada, not Illinois, was the appropriate forum for resolution of the dispute.

¶ 12 Subsequently, on February 13, 2008, SMI filed a separate proceeding in the Queen’s Bench court against CE Design and Homegrown, seeking a declaration that there “is no coverage under the Policy for CE Design’s claims.” SMI’s 2024 complaint for declaratory relief alleges that CE Design and Homegrown were timely served with notice of the proceeding however, Homegrown did not appear and a default against it was entered in the Queen’s Bench court on March 8, 2008. On September 15, 2008, CE Design filed a motion to dismiss SMI’s declaratory complaint in the Queen’s Bench court, arguing a lack of personal jurisdiction and asserting that the Illinois court had exclusive jurisdiction. CE Design’s motion to dismiss was denied.

¶ 13 On April 8, 2010, the circuit court of Lake County granted SMI’s motion to dismiss CE Designs’ second citation proceeding, finding a lack of personal jurisdiction. CE Design appealed. In reversing, the Second District of the Appellate Court held that counsel’s April 2007 letter to the

Lake County clerk of the circuit court constituted a responsive pleading, which in turn waived SMI’s objection to personal jurisdiction. See CE Design Ltd. v. Saskatchewan Mutual Insurance Co., 409 Ill. App. 3d 1164 (2011) (table) (unpublished order under Illinois Supreme Court Rule 23), pet. for leave to appeal denied, No. 112982 (Ill. Jan. 30, 2013).

¶ 14 On remand from the Second District, on July 18, 2013, the Lake County circuit court granted CE Design’s motion to reinstate the SMI Illinois judgment and also granted leave to SMI to file a petition to vacate the reinstated judgment, pursuant to section 2-1401 of the Code (735 ILCS 5/2-1401 (West 2012)). Following the disposition of the parties’ cross-motions, the Lake County circuit court granted “summary disposition” in favor of CE Design, and SMI appealed.

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