USI Insurance Services v. Frieman, E.

CourtSuperior Court of Pennsylvania
DecidedFebruary 9, 2022
Docket2163 EDA 2020
StatusUnpublished

This text of USI Insurance Services v. Frieman, E. (USI Insurance Services v. Frieman, E.) is published on Counsel Stack Legal Research, covering Superior Court of Pennsylvania primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
USI Insurance Services v. Frieman, E., (Pa. Ct. App. 2022).

Opinion

J-A24019-21

NON-PRECEDENTIAL DECISION - SEE SUPERIOR COURT I.O.P. 65.37

USI INSURANCE SERVICES : IN THE SUPERIOR COURT OF NATIONAL, INC. F/K/A AND F/D/B/A : PENNSYLVANIA WELLS FARGO INSURANCE : SERVICES USA, INC. V. ERIC M. : FRIEMAN AND RCM&D SELFINSURED : SERVICES COMPANY, INC. D/B/A : RCM&D : : Appellants : No. 2163 EDA 2020 : USI INSURANCE SERVICES : NATIONAL, INC. F/K/A AND F/D/B/A : WELLS FARGO INSURANCE : SERVICES USA, INC. : : Appellant : : V. ERIC M. FRIEMAN AND RCM&D : SELFINSURED SERVICES COMPANY, : INC. D/B/A RCM&D

Appeal from the Judgment Entered October 23, 2020 In the Court of Common Pleas of Philadelphia County Civil Division at No(s): No. 180100954

USI INSURANCE SERVICES : IN THE SUPERIOR COURT OF NATIONAL, INC. F/K/A AND F/D/B/A : PENNSYLVANIA WELLS FARGO INSURANCE : SERVICES USA, INC. V. ERIC M. : FRIEMAN AND RCM&D SELFINSURED : SERVICES COMPANY, INC. D/B/A : RCM&D : : Appellants : No. 2211 EDA 2020 : USI INSURANCE SERVICES : NATIONAL, INC. F/K/A AND F/D/B/A : WELLS FARGO INSURANCE : SERVICES USA, INC. : : Appellant : : : J-A24019-21

V. ERIC M. FRIEMAN AND RCM&D : SELFINSURED SERVICES COMPANY, INC. D/B/A RCM&D

Appeal from the Judgment Entered October 23, 2020 In the Court of Common Pleas of Philadelphia County Civil Division at No(s): No. 180100954

BEFORE: LAZARUS, J., DUBOW, J., and PELLEGRINI, J.*

MEMORANDUM BY DUBOW, J.: FILED FEBRUARY 9, 2022

USI Insurance Service National, Inc., et al. (“USI”) and Eric M. Frieman

(“Frieman”) have filed these cross-appeals from the October 23, 2020

judgment entered after a bench trial in this action in which USI alleged that

Frieman breached a non-solicitation and non-compete agreement.1 After

careful review, we affirm.

The facts and procedural history are as follows. In 2008, Frieman began

working for USI’s predecessor-in-interest, Wells Fargo,2 as an insurance sales

executive for employer benefits. In the insurance industry, this position is

____________________________________________

* Retired Senior Judge assigned to the Superior Court.

1 USI also claimed that RCM&D Self-Insured Services Company, Inc. (“RCM&D”) intentionally interfered with USI’s contractual relationship with Frieman. For reasons explained below, the trial court found in favor of RCM&D on this claim. RCM&D filed a notice of appeal from the trial court’s verdict, but on December 3, 2020, discontinued its appeal by praecipe.

2 USI is the successor-in-interest to Wells Fargo, who was Frieman’s employer from 2008-2016. On December 1, 2017, after Frieman had left Wells Fargo’s employ, USI purchased all the equity interests of Wells Fargo. As USI purchased Wells Fargo, Wells Fargo changed its name to “USI Insurance Services International, Inc.” It is this entity who filed this breach of contract action against Frieman. Therefore, throughout this memorandum, we refer to Wells Fargo as USI.

-2- J-A24019-21

known as a “producer.” Producers are responsible for initiating new client

relationships on behalf of the firm. Once the client relationship is established,

a producer becomes the “face of the firm.”3

In 2010, USI required its producers to execute an agreement that

contained non-solicitation and non-compete provisions (the “Agreement”).

Frieman signed the Agreement on July 22, 2010. The Agreement prohibited

Frieman from, inter alia, soliciting and accepting business from clients he

serviced while employed by USI for a period of two years after leaving the

employment of USI for any reason. Relevantly, the Agreement also required

Frieman to “communicate the contents of . . . the non-solicitation and non-

disclosure sections of this Agreement to any prospective employer.”4 USI

provided Frieman with additional consideration in exchange for signing the

Agreement. Specifically, Frieman became eligible to participate in USI’s new

performance-based compensation plan (the “Producer Plan”), which entitled

him to receive an “[a]dditional 1% on [n]ew [r]evenue and [a]dditional 1%

on [n]et [n]ew [r]evenue” as defined in the Producer Plan.5

Frieman left his job at USI in November 2016, and began working for a

competitor, RCM&D Self-Insured Services Company, Inc. (“RCM&D”), also as

a producer. Prior to being hired, Frieman informed RCM&D that he had

3 Trial Ct. Op., 4/15/21, at 5.

4 Agreement § IV. Injunctive Relief & Damages.

5 Producer Plan Appendix A.

-3- J-A24019-21

entered into the non-solicitation Agreement with USI but represented to

RCM&D that the Agreement was invalid and not enforceable because his

signature on it had been forged.6 RCM&D and Frieman had several

conversations about Frieman soliciting USI’s clients and RCM&D knew that

Frieman would solicit the clients whom he serviced while employed by USI to

bring their business to RCM&D. Early in his employment with RCM&D, Frieman

created and submitted to RCM&D a business plan in which he identified as one

of his business objectives soliciting the clients whom he serviced while

employed by USI to bring their business to RCM&D.

Frieman proceeded to solicit 18 clients with whom he worked while

employed by USI, and those clients subsequently moved their business to

RCMD. As a result, USI lost approximately $1.1 million per year in revenue.

On January 5, 2018, USI filed a complaint raising one count of Breach

of Contract against Frieman and one count of Intentional Interference with

Contract against RCM&D. Following discovery and the filing of pre-trial

motions in limine, on July 15, 2019, this case proceeded to a two-day bench

trial.

Relevantly, to refute Frieman’s assertion that his signature on the

Agreement had been forged, USI presented the testimony of, and a report

authored by, J. Wright Leonard, a forensic document examiner. Ms Leonard, ____________________________________________

6 Despite taking the position that his signature had been forged, Frieman admitted that even after discovering the supposedly forged document in his employment file, he did not report the alleged forgery to anyone at USI. N.T. Trial, 7/15/19, at 101.

-4- J-A24019-21

whom the trial court qualified as an expert in document and handwriting

examination and analysis, described the similarities and differences between

Frieman’s signature on the Agreement and the signatures on a September 1,

2005 deed and an October 4, 2010 mortgage. Ms. Leonard testified that there

were “indications” that the same person who signed the Agreement also

signed the deed and the mortgage.7 She explained that she used the term

“indications” as a qualified opinion because of the limited number of

comparison signature samples available to her and because she did not have

the original, signed document to review.8

Frieman testified that he did not sign the Agreement and that he told

prospective employers that his signature on the Agreement had been forged.

Frieman denied that he has two styles of signature, and denied that the

signature on the September 1, 2005 deed was his. He did, however, admit

that he previously owned the property described in the September 1, 2005

deed, that he sold the property to the grantees listed on the deed, and that

he sold the property listed in the deed for the amount listed on it. Frieman

also denied placing his signature on the October 4, 2010 mortgage whereby

Frieman and his wife borrowed $147,000 from Wells Fargo Bank. He did

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