Sundaram v. Coverys

130 F. Supp. 3d 419, 2015 U.S. Dist. LEXIS 120520, 2015 WL 5295135
CourtDistrict Court, D. Maine
DecidedSeptember 10, 2015
DocketNo. 2:15-cv-00121-GZS
StatusPublished

This text of 130 F. Supp. 3d 419 (Sundaram v. Coverys) is published on Counsel Stack Legal Research, covering District Court, D. Maine primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Sundaram v. Coverys, 130 F. Supp. 3d 419, 2015 U.S. Dist. LEXIS 120520, 2015 WL 5295135 (D. Me. 2015).

Opinion

ORDER ON CROSS-MOTIONS FOR SUMMARY JUDGMENT

GEORGE Z. SINGAL, District Judge.

■ .Before the Court are the. cross-motions for summary judgment filed by Plaintiff Dr. Malathy Sundaram (“Plaintiff’ or “Dr. Sundaram’’) and Defendants COVERYS, ProSelect Insurance Company (together with COVERYS, “ProSelect”), and Integrated Insurance Solutions (“Integrated” and, together with ProSelect, “Defendants”). For the reasons explained herein, the Court GRANTS Plaintiffs Motion for Summary Judgment with Incorporated Memorandum of Law (ECF No. 21) (“PL’s Mot.”) and DENIES both ProSelect’s Motion for Summary Judgment with Incorporated Memorandum of Law (ECF No. 19) (“Pro'Select’s Mot.”) and Integrated’s Motion for Summary Judgment with Incorporated Memorandum of Law (ECF No.‘20) (“Integrated’s Mot.”).

I. LEGAL STANDARD

Generally, a party is entitled to summary judgment if, on the record before the Court, it appears “that there is no genuine issue as to any material fact and that the [421]*421moving party is entitled to judgment as a matter' of law.” Fed.R.Civ.P. 56(c)(2). “[T]he mere existence of some alleged factual dispute between the parties will not defeat an otherwise properly supported motion for summary judgment; the .requirement is that there be no genuine issue of material fact.” Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 247-48, 106 S.Ct. 2505, 91 L.Ed.2d 202 (1986). An issue is “genuine” if “the evidence is such that a reasonable jury could return a verdict for the nonmoving' party.” Id. at 248, 106 S.Ct. 2505. A “material fact” is one that has “the potential to affect the outcome of the suit under the applicable! ,law.” Nereida-Gonzalez v. Tirado-Delgado, 990 F.2d 701, 703 (1st Cir.1993) (citing Anderson, 477 U.S. at 248, 106 S.Ct. 2505) (additional citation omitted).

The party moving for summary judgment must demonstrate an absence of evidence to support the nonmoving party’s case. Celotex Corp. v. Catrett, 477 U.S. 317, 325, 106 S.Ct. 2548, 91 L.Ed.2d 265 (1986). In determining whether this burden is met, the Court must view the record in the light most favorable to the nonmoving party and give that party the benefit of all reasonable inferences in its favor. Santoni v. Potter, 369 F.3d 594, 598 (1st Cir.2004).

Once the moviiig party has made this preliminary showing, the nonmoving party must “produce specific facts, in suitable evidentiary form, to establish the presence of a trialworthy issue.” Triangle Trading Co. v. Robroy Indus., Inc., 200 F.3d 1, 2 (1st Cir.1999) (citation and internal punctuation omitted); see also Fed.R.Civ.P. 56(e). “Mere allegations, or conjecture unsupported in the record, are insufficient.” Barros-Villahermosa v. United States, 642 F.3d 56, 58 (1st Cir.2011) (quoting Rivera-Marcano v. Normeat Royal Dane Quality A/S, 998 F.2d 34, 37 (1st Cir.1993)); see also Wilson v. Moulison N. Corp., 639 F.3d 1, 6 (1st Cir.2011) (“A properly supported summary judgment motion cannot be defeated by conclusory allegations, improbable inferences, periphrastic circumlocutions, or rank speculation.” (citations omitted)). “As to any essential factual element of its claim on which the nonmovant would bear the burden of proof at trial, its failure to come forward with sufficient evidence to generate a trialworthy issue warrants, summary judgment to the moving party.” In re Spigel, 260 F.3d 27, 31 (1st Cir.2001) (quoting In re Ralar Distribs., Inc., 4 F.3d 62, 67 (1st Cir.1993)).

The above-described “standard is not affected by the presence of cross-motions for summary judgment.” Alliance of Auto. Mfrs. v. Gwadosky, 430 F.3d 30, 34 (1st Cir.2005) (citation omitted).. “[T]he court must mull each motion separately, drawing inferences against each movant in turn.” Cochran v. Quest Software, Inc., 328 F.3d 1, 6 (1st Cir.2003) (citation omitted); see also Alliance of Auto. Mfrs., 430 F.3d at 34 (“[L]ike the district court, we must scrutinize the record in the. light, most favorable to the summary judgment loser and draw all reasonable inferences .therefrom to that party’s behoof.”). . . .

II. FACTUAL BACKGROUND1

A. The Insurance Policy

ProSelect issued a medical professional liability insurance policy, number 2-20191, to Dr. Sundarara, effective May 15, 2013 to May 15, 2014 (the “Policy”). (Stipulated Statement of Undisputed Facts'for Phase I Summary Judgment Motion' (ECF No. 18) (“SSUF”) ¶ 3.) ProSelect issued a renewal medical professional liability inshr[422]*422anee policy, number 2-20191, to Dr. Sundaram, effective May 15, 2014 to May 15, 2015.2 (SSUF 1P4.) Under the Policy, and subject to the terms and limitations set forth therein, ProSelect agreed to pay “DAMAGES ... because of a CLAIM for an INCIDENT in the performance of PROFESSIONAL ■ SERVICES by YOU....” (SSUF Ex. C at PagelD #329.) The Policy’s provision regarding the duty to defend states that Defendant ProSelect has “the right and duty to defend ... any SUIT brought against YOU seeking DAMAGES that are covered by this. POLICY....” (Id. at PagelD # 331.)

“INCIDENT” is defined in the Policy as “any negligent act, error or omission....” (Id. at PagelD # 339.) “PROFESSIONAL SERVICES” is defined (in relevant part) as “[mjedical, surgical, dental or nursing treatment performed in the INSURED’S specialty....” (Id. at PagelD # 340.)

The Policy sets forth certain exclusions from liability, including the exclusion of liability for any claims “[ajrising out of any dishonest, fraudulent, criminal or malicious acts or omissions or deliberate or intentional wrongdoing or bad faith committed or alleged to have been committed by any INSURED.” (Id. at PagelD # 335.)

B. The McCullough Case

On January 28, 2014, an attorney representing Christine McCullough (“McCullough”) sent a. letter to Dr. Sundaram. (SSUF ¶1.) In the letter, McCullough’s attorney alleged that McCullough was terminated by her employer, Home Health Visiting Nurses (“HHVN”), “because of [Dr.

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Bluebook (online)
130 F. Supp. 3d 419, 2015 U.S. Dist. LEXIS 120520, 2015 WL 5295135, Counsel Stack Legal Research, https://law.counselstack.com/opinion/sundaram-v-coverys-med-2015.