The Ohio Casualty Insurance Company v. CJI Piping and Fabrication, LLC

District Court, W.D. Texas·Decided May 23, 2025·No. 5:24-cv-00668·Unknown

Opinion

IN THE UNITED STATES DISTRICT COURT FOR THE WESTERN DISTRICT OF TEXAS SAN ANTONIO DIVISION

THE OHIO CASUALTY INSURANCE § COMPANY, § Plaintiff § SA-24-CV-00668-XR § -vs- § § CJI PIPING AND FABRICATION, LLC, § JEREMY HOBSON, AMY ABBOTT- § HOBSON, § Defendants §

ORDER ON MOTION FOR DEFAULT JUDGMENT On this date, the Court considered Plaintiff The Ohio Casualty Insurance Company’s (“Ohio Casualty”) Motion for Default Judgment against Defendants CJI Piping and Fabrication LLC (“CJI”), Jeremy Hobson, and Amy Abbott-Hobson (“Hobsons”) (together, “Defendants”). ECF No. 17. After careful consideration, the Court GRANTS IN PART the motion. BACKGROUND I. Facts This action arises out of an Indemnification Agreement. On November 3, 2022, Defendants entered into the Indemnity Agreement with Ohio Casualty, under which Ohio Casualty would issue contract surety bonds on behalf of CJI so that CJI could bid on and be awarded commercial construction projects in Texas. ECF No. 13 ¶ 8. In exchange for Ohio Casualty issuing bonds on behalf of CJI,1 CJI and the Hobsons—as Indemnitors—agreed to “joint and severally” “exonerate,

1 Under the Indemnity Agreement, “Bonds” are defined to include those “issued prior to or after the execution of the [Indemnity] Agreement.” Id. at 8 ¶ 1. indemnify and hold harmless [Ohio Casualty] from and against any and all Loss.” Id. ¶ 10, at 8 (Indemnity Agreement, ¶ 1).2 The Project. On October 25, 2022, CJI entered a contract with Tejas Premier Building Contractor, Inc. (“Tejas Premier”) to install steel pipe fencing on a project in San Antonio, Texas

(the “Project”), which required CJI to obtain contract surety bonds for its work. Id. ¶ 11. On November 4, 2022, Ohio Casualty, under the Indemnity Agreement, issued a Performance Bond, a Payment Bond, and a Maintenance Bond in favor of Tejas Premier, each in the amount of $378,600, which guaranteed CJI’s performance, payment to its subcontractors and suppliers, and repair or replacement of defective labor and materials during the maintenance period. Id. ¶ 12; 9– 22; see also ECF No. 10 at 53 (increasing amount from $378,600 to $393,667).3 Problems with the Project. CJI performed some work for the Project and was paid $293,112 by Tejas Premier, but allegedly abandoned its work by October 2023. ECF No. ¶ 13. On October 16, 2023, Tejas Premier declared CJI to be in default and terminated the contract. Id. Upon terminating the contract, Tejas Premier demanded Ohio Casualty perform under the Performance

Bond. Id. Michelle Wargo, the claims specialist assigned to the Performance Bond on behalf of Ohio Casualty, made repeated attempts to contact Defendants to assist in the investigation and resolution of Tejas Premier’s claims, but they did not responded. Id.; see ECF No. 10 at 17–18 (Affidavit of Michelle Wargo).

2 Under the Indemnity Agreement, “Loss” is defined as “[c]laims, losses, liability, damages of any type (including punitive), costs, fees, expenses, suits, orders, judgments, or adjudications whatsoever, and interest thereupon from the date upon which [Ohio Casualty] incurs a Loss . . ., which [Ohio Casualty] may incur in any manner relating to . . . Bonds and/or the enforcement of the Agreement.” Id. Agreement includes the “Indemnity Agreement, and any other agreement between [Defendants] and [Ohio Casualty] executed for [Ohio Casualty’s] benefit.” Id. at 7.

3 The Court refers to Ohio Casualty’s First Motion for Default Judgment, ECF No. 10, as it is incorporated in its Second Motion for Default, ECF No. 17. While Ohio Casualty obtained bids from qualified contractors to complete CJI’s scope of work under its contract with Tejas Premier, it ultimately exercised its right under Section 5.4 of the Performance Bond to “determine the amount for which it may be liable to [Tejas Premier] and, as soon as practicable after the amount is determined, make payment to [Tejas Premier].” ECF No. 13 ¶ 14.4

On January 10, 2024, Ohio Casualty sent Defendants a letter advising them of the status of its investigation into the Performance Bond claim and anticipated costs of completing CJI’s scope of work on the Project, and demanded Defendants, under the Indemnity Agreement, (i) exonerate, indemnify, and hold harmless Ohio Casualty from and against all expense on the Performance Bond, and (ii) deposit with Ohio Casualty cash collateral in the amount of $390,000 to protect Ohio Casualty from its anticipated loss on the Performance Bond. Id. ¶ 17; see also ECF No. 13 at 8 ¶ 4 (requiring Defendants to provide Ohio Casualty “funds immediately upon demand in the amount [Ohio Casualty] deems necessary to protect itself from any Loss . . . .”). Defendants, again, did not respond. ECF No. 13 ¶¶ 17–18.

Settlement Agreement. On March 12, 2024, Ohio Casualty and Tejas Premier executed a Settlement Agreement, discharging Ohio Casualty’s obligations to Tejas Premier and resolving the claim on the Performance Bond. Under the Settlement Agreement, Ohio Casualty agreed to pay Tejas Premier $338,222. Id. ¶ 15. Ohio Casualty also incurred expenses for expert consultants required to assist it in its investigation and adjustment of the Performance Bond claim. Id. ¶ 16.

4 Section 5.4 of the Performance Bond gave Ohio Casualty the right to resolve claims by “[w]aiving its right to perform and complete, arrange for completion, or obtain a new contractor and with reasonable promptness under the circumstances . . . determine the amount for which it may be liable to [Tejas Premier] and, as soon as practicable after the amount is determined, make payment to [Tejas Premier].” Id. at 11 ¶ 5.4. And the Indemnity Agreement gave Ohio Casualty the right to pay or settle any claim on the Performance Bond. See id. at 8 ¶ 1 (Ohio Casualty “has the right at its sole discretion to pay or settle any Loss . . . .”). Failure to Pay. On April 10, 2024, Ohio Casualty sent Defendants another letter advising them of the loss and expenses it had occurred in connection with the Performance Bond. Id. ¶ 18. Ohio Casualty demanded Defendants reimburse $350,140.19 no later than April 22, 2024. Id.5 Defendants, again, did not respond. Id.

To date, Ohio Casualty alleges it incurred losses and expenses on the Performance Bond of $351,724.19. Id.; supra note 5. II. Procedural History On June 6, 2024, Ohio Casualty filed this action, asserting a claim for indemnity and seeking damages, pre- and post-judgment interest, and attorney’s fees. ECF No. 1. After Defendants failed to appear, the Court ordered Plaintiff to move for entry of default and default judgment. ECF No. 7. The Clerk entered default on September 23, 2024. ECF No. 9. On March 4, 2025, the Court ordered Ohio Casualty to file an Amended Complaint under 28 U.S.C. § 1653 to properly allege diversity jurisdiction as to CJI. ECF No. 12. Ohio Casualty did so, ECF No. 13, and this motion followed.

DISCUSSION I. Legal Standard Under Federal Rule of Civil Procedure 55(a), a default judgment is proper “[w]hen a party against whom a judgment for affirmative relief is sought has failed to plead or otherwise defend.” FED. R. CIV. P. 55(a). After a default has been entered and the defendant fails to appear or move to set aside the default, the court may, on the plaintiff’s motion, enter a default judgment. FED. R. CIV. P. 55(b)(2). A party is not entitled as a matter of right to default judgment, even where the defendant technically is in default. Ganther v. Ingle, 75 F.3d 207, 212 (5th Cir. 1996). Rather,

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