Spencer Ruda v. USI Insurance Services, LLC

District Court, D. Maine·Decided August 17, 2026·No. 2:25-cv-00543·Unknown

Opinion

UNITED STATES DISTRICT COURT DISTRICT OF MAINE

SPENCER RUDA, ) ) Plaintiff, ) ) v. ) No. 2:25-cv-00543-JAW ) USI INSURANCE SERVICES, LLC ) ) Defendant. )

ORDER ON MOTION TO DISMISS The court concludes an employee has survived the employer’s motion to dismiss his Maine Whistleblower Protection Act claim, but the employee has failed to demonstrate he gave notice of his claims of discrimination within 300 days of the discriminatory acts, as required by state and federal law and therefore his discrimination claims must be dismissd. I. BACKGROUND On October 28, 2025, Spencer Ruda filed a complaint against his former employer, USI Insurance Services, LLC (USI), alleging that his termination from employment violated the Maine Whistleblower Protection Act (WPA), 26 M.R.S. §§ 831 et seq., violated the prohibition against religious discrimination in Title VII, 42 U.S.C. §§ 2000e. et seq., violated the prohibition against national origin discrimination in Title VII (hostile work environment), 42 U.S.C. §§ 2000e. et seq., and violated the Maine Human Rights Act (MHRA), 5 M.R.S. §§ 4571 et seq. Pl.’s Compl. and Demand for Jury Trial (ECF No. 1) (Compl.). On January 9, 2026, USI filed a motion to dismiss. Def.’s Mot. to Dismiss (ECF No. 5). On January 30, 2026, Mr. Ruda filed his response. Pl.’s Opp’n to Def.’s Mot. to Dismiss (ECF No. 6) (Pl.’s Opp’n). On February 10, 2026, USI filed its reply. Def.’s Reply in Support of its Mot. to Dismiss (ECF No. 7) (Def.’s Reply).

II. THE ALLEGATIONS IN THE COMPLAINT A. The Parties Spencer Ruda currently lives in Tampa, Florida and formerly lived in Portland, Maine. Compl. ¶ 3. USI is a limited liability company with a principal place of business in Valhalla, New York. Id. ¶ 4. B. USI Hires Spencer Ruda Subject to a Non-Solicitation Agreement: May 15, 2023 On May 15, 2023, Mr. Ruda began working for USI as an employee benefits (EB) producer, selling insurance for USI. Id. ¶ 10. Mr. Ruda’s direct supervisor was Burr Duryee, the New England EB Practice Leader. Id. ¶ 13. USI offered Mr. Ruda a job paying $125,000 per year, beginning May 14, 2023. Id. ¶ 14. At the time, Mr.

Ruda had a job at Varney Agency, where he had a non-solicitation agreement. Id. Mr. Ruda’s understanding was that for the first year, his salary was entirely expensed to the URI home office in South Portland, Maine; however, after one year, he became more expensive for Mr. Duryee’s division. Id. ¶ 16. Although he is not aware of the precise arrangement, after his first year, he believes that Mr. Duryee’s division paid 75% of his salary and the corporate office the remaining 25%. Id. ¶¶ 16-

17. Regardless of the precise arrangement, Mr. Ruda believes that he became more expensive for Mr. Duryee’s division after one year. Id. ¶ 17. USI was intentionally vague about this internal financial relationship and about his performance benchmarks, which also changed periodically. Id. ¶ 18. C. Spencer Ruda Goes on the Clock and is Pressured to Reveal Varney Client Lists: July 1, 2023 Mr. Ruda was not expected to produce EB sales during the first month of employment, and he went “on the clock” on July 1, 2023, and thereafter was expected to obtain four appointments per week with employers who might purchase USI’s EB

plans. Id. ¶¶ 19-20. USI gave Mr. Ruda a list of 200 companies who might purchase one of its EB plans. Id. ¶ 19. Beginning July 1, 2023, Mr. Ruda fulfilled his obligation to secure four appointments per week with potential customers. Id. ¶ 20. Once Mr. Ruda went on the clock, Mr. Duryee asked him to write down the list of the clients he had served at Varney. Id. ¶ 21. Mr. Ruda had a non-solicitation agreement with Varney and worried that doing so would violate the agreement because the agreement meant that neither he nor Mr. Duryee could contact the

Varney clients. Id. Mr. Ruda refused to provide the list of Varney clients to Mr. Duryee, and in response, Mr. Duryee informed Mr. Ruda that his non-solicitation agreement with Varney was unenforceable. Id. ¶¶ 21-22. In response, Mr. Ruda told Mr. Duryee that he thought it would be illegal for him to violate the non-solicitation agreement by giving him the names of his Varney customers. Id. ¶ 22. Every Friday, Mr. Ruda would meet one-on-one with Mr. Duryee, and during

nearly every one of those meetings right up to Mr. Ruda’s termination, Mr. Duryee would repeat his demand that Mr. Ruda write down the names of his Varney clients, and when Mr. Ruda refused, Mr. Duryee told Mr. Ruda that he could fire him. Id. ¶¶ 23-24. On one occasion, Mr. Duryee specifically said to Mr. Ruda, “write down your client and I’ll call them, I can’t get sued.” Mr. Ruda told him, “It sounds illegal to me.” Id. ¶ 25.

D. Burr Duryee Becomes Increasingly Hostile and Retaliatory Mr. Duryee became increasingly hostile and retaliatory toward Mr. Ruda as the months went on and as Mr. Ruda refused to violate his non-solicitation agreement. Id. ¶ 26. Mr. Duryee demonstrated no interest in having Ruda develop leads or complete sales. Id. Mr. Duryee often prevented Mr. Ruda from attending client meetings in person, which made no sense because it was the only way Mr. Ruda could make sales. Id. ¶ 27. When Mr. Duryee attended client meetings with Mr.

Ruda, Mr. Duryee did 95% of the talking and said unhelpful things such as: “we can’t save you money.” Id. ¶ 28. Mr. Duryee directly interfered with Mr. Ruda’s ability to get leads and sales, and if Mr. Ruda spoke at a client meeting, Mr. Duryee would yell at him in a completely hostile and unprofessional manner. Id. ¶ 29. E. Conflict over a Former Varney Client: November 2023 Mr. Ruda went to a meeting with Mr. Duryee for a potential client with the initials PAF. Id. ¶ 30. Mr. Ruda did not know that PAF was a Varney customer,

because they did not work with Mr. Ruda at Varney but instead a colleague of his. Id. Mr. Duryee asked Mr. Ruda to call on this customer after the meeting and tell them he used to work at Varney. Id. Mr. Ruda refused, reiterating that he thought it would violate the non-solicitation agreement. Id. After above denial to call on the PAF customer, Mr. Duryee further retaliated against Mr. Ruda and took even more egregious steps to prevent him from being successful or achieving sales at USI. Id. ¶ 31. On November 17, 2023, Mr. Ruda emailed Mr. Duryee and his boss, Joe Nigro, stating: “Hey Burr and Joe, Burr and I talked about my non solicit today. Joe I know you had our legal team look into my non solicit. We have recently run into a decent

sized prospect that I was unaware a client of my former company but had no personal experience with. I believe it was your understanding that I could solicit any clients that I had no direct contact with at Varney. The wording doesn’t seem that way in the agreement it seems to say that any one under the Varney umbrella I can’t solicit.” Id. ¶ 32. No one at USI responded to Mr. Ruda’s email. Id. F. USI Sets Up Spencer Ruda to Fail Once USI realized that Mr. Duryee’s demands for client names were not

working, because Mr. Ruda refused to break the law, USI set Mr. Ruda up to fail. Id. ¶ 34. The company actively interfered with Ruda’s ability to complete any sales at all, so that USI could have a pretextual basis for firing Ruda. Id. At one point, Mr. Duryee also told Mr. Ruda that he had to share 50% of his commissions with Mr. Duryee, and upon information and belief, Mr. Duryee also forced another employee named Leanna to share commission with him, which she complained about. Id.

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