Wallworks, Inc. v. Dougherty & Conrad Insurance Services

CourtSuperior Court of Delaware
DecidedOctober 23, 2024
DocketN20C-12-064 CEB
StatusPublished

This text of Wallworks, Inc. v. Dougherty & Conrad Insurance Services (Wallworks, Inc. v. Dougherty & Conrad Insurance Services) is published on Counsel Stack Legal Research, covering Superior Court of Delaware primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Wallworks, Inc. v. Dougherty & Conrad Insurance Services, (Del. Ct. App. 2024).

Opinion

IN THE SUPERIOR COURT OF THE STATE OF DELAWARE

DESHONG & SONS CONTRACTORS, ) INC., by itself and through PENN ) NATIONAL INSURANCE, as subrogee, ) ) Plaintiffs, ) ) v. ) C.A. No. N20C-12-064 CEB ) WALLWORKS, INC., DONEGAL ) MUTUAL INSURANCE COMPANY, ) and ATLANTIC STATES INSURANCE ) COMPANY, a subsidiary of Donegal ) Insurance Company, ) ) Defendants. ) ) WALLWORKS, INC., ) ) Third-Party Plaintiff, ) ) v. ) DOUGHERTY & CONRAD ) INSURANCE SERVICES n/k/a ) DOUGHERTY & COMPANY, ) ) Third-Party Defendant. )

Submitted: August 26, 2024 Decided: October 23, 2024

MEMORANDUM OPINION Upon Third-Party Defendant Dougherty & Company’s Motion to Dismiss DENIED.

Krista M. Reale, Esquire, MARGOLIS EDELSTEIN, Wilmington, Delaware, Attorney for Third-Party Plaintiff. Aaron E. Moore, Esquire, MARSHALL DENNEHEY, P.C., Wilmington, Delaware. Attorney for Third-Party Defendant.

BUTLER, R.J. INTRODUCTION

This is the Court’s decision on the motion of Third-Party Defendant

Dougherty & Company, n/k/a Dougherty & Conrad Insurance Service

(“Dougherty”), to dismiss the third-party complaint filed by Defendant Wallworks,

Inc. (“Wallworks”). For the following reasons, the motion is denied.

BACKGROUND

1. Deshong and Wallworks dispute whether Deshong was covered by Wallworks’ commercial general liability policy.

Plaintiff Deshong & Sons, Inc. (“Deshong”) had a construction contract to

build a Wawa store in Hockessin, Delaware. Deshong hired Wallworks for a portion

of the work. As a part of the Deshong/Wallworks agreement, Wallworks was

required to carry certain insurance and to indemnify Deshong for all losses caused

by Wallworks’ work at the site and to name Deshong as an additional insured.

Several key issues are in dispute, including: 1) whether Deshong is an additional

insured under the insurance policy; 2) whether the insurance that was placed through

Dougherty was the insurance required by the Deshong/Wallworks agreement.

Dougherty produced a “Certificate of Insurance” (“COI”) identifying

Defendant Atlantic States Insurance Company (“Atlantic Insurance”) as the 2 insurance carrier.1 The COI, apparently prepared by Dougherty, indicated that the

insurance was “primary” and “non-contributory,” terms that may be significant later

on.2

An employee of Wallworks suffered a serious injury on the jobsite and sued

Deshong in the Court of Common Pleas in Philadelphia.3 Deshong notified

Wallworks and Atlantic Insurance of the lawsuit, but Atlantic Insurance refused to

defend. Armed with an opinion from coverage counsel, Atlantic Insurance took the

position that the insurance policy did not require Atlantic Insurance to defend or

indemnify Deshong. Ultimately, Deshong and its own insurer, Penn National, settled

the Philadelphia lawsuit with Wallworks’ employee for a substantial sum. Deshong

then filed this lawsuit seeking contribution and/or indemnification from Wallworks

and/or Atlantic Insurance for the settlement amount.

Atlantic Insurance has taken the position that the insurance carried by

Wallworks was not “first party” insurance benefitting Deshong. Rather, Atlantic

1 D.I. 144 (Wallworks Inc.’s Third-Party Compl.), Trans ID 71634691 (Dec. 15, 2023) ¶ 7 [hereinafter Third-Party Compl.]. 2 Id. ¶¶ 7-8. 3 It is unclear at this point whether the exact cause of the employee’s injuries is relevant. But certainly the employee would be limited in his rights against his employer, Wallworks, by virtue of the exclusive remedy provisions of the Delaware Worker’s Compensation Statute. See 19 Del. C. § 2304.

3 Insurance maintains that the policy was secondary, “excess” insurance, triggered

only when the primary carrier’s liability coverage was exceeded. Whether Atlantic

Insurance’s position is correct remains at issue, as Deshong has a pending motion

seeking a ruling that Wallworks’ policy is, in fact, primary insurance.

Notwithstanding, Deshong has taken the alternative position that if the insurance

purchased by Wallworks is not primary insurance benefitting Deshong, then

Wallworks breached the subcontract by failing to ensure Deshong was fully covered.

2. Wallworks files a third-party complaint against Dougherty.

Wallworks has now named Dougherty as a third-party defendant. Wallworks

claims that it is entitled to contribution and/or indemnification from Dougherty for

placing the wrong insurance with Atlantic Insurance. Dougherty is also faulted for

failing to name Deshong as an additional insured and for issuing a COI that mis-

identified the policy as “primary non-contributory.”4

Dougherty, a company based in the Philadelphia suburbs, initially moved to

dismiss, arguing that Delaware could not assert personal jurisdiction over the

brokerage. The Court heard argument on that motion and asked the parties for

additional briefing on the somewhat intriguing question of personal jurisdiction over

insurance brokers that insure activities in other states. But rather than further

4 Third-Party Compl.¶ 7. 4 articulate its basis for believing that Delaware lacked personal jurisdiction,

Dougherty’s second round of briefing conceded the question of personal

jurisdiction 5 and instead moved to dismiss on the grounds to be dealt with here.

ISSUES RAISED

Wallworks’ third-party complaint, fairly read, is that Dougherty, as agent for

Wallworks, was told (or perhaps shown) what terms Deshong wanted in the contract

of insurance that was required in the Deshong/Wallworks agreement, and Dougherty

failed to place insurance as per the contract terms. This meant Deshong was not held

harmless as required by the subcontract and was liable for substantial sums in

personal injury damages that Wallworks’ insurer, Atlantic Insurance, should have

responded to. Further, Dougherty failed to have Deshong named as an additional

insured as per the contract.6 Finally, Dougherty issued a “COI” incorrectly

identifying the policy as “primary” and “non-contributory,” but in fact it was not.7

Assuming, as we must at this stage of the case, that all of this is true,

Dougherty presents four arguments in its motion to dismiss: 1) that Dougherty

5 D.I. 166 (Opening Br. in Support of Mot. to Dismiss), Trans ID 73665647 (July 15, 2024) at 1 [hereinafter Opening Br. in Support of Mot. to Dismiss]. 6 D.I. 130 (Third Amended Compl.), Trans ID 71472479 (Nov. 22, 2023) ¶¶ 12-14 [hereinafter Third Amended Compl.]. 7 Third-Party Compl.¶¶ 7-8.

5 cannot be liable to Wallworks for contribution and/or indemnification because

Dougherty is not a “joint tortfeasor” with Wallworks; 8 2) that a negligent

procurement claim cannot be asserted as a third-party claim because third-party

claims cannot be raised independent of a contribution claim; 9 3) if this is a negligent

procurement claim, then it is time barred; 10 4) to the extent Wallworks’ claim is one

for negligent misrepresentation, the Court of Chancery has exclusive jurisdiction

over negligent misrepresentation claims and this Court lacks jurisdiction. 11

STANDARD OF REVIEW

In deciding a motion to dismiss for failure to state a claim under Rule 12(b)(6),

the standard for review is well known:

[T]he Court (1) accepts as true all well-pleaded factual allegations in the complaint; (2) credits vague allegations if they give the opposing party notice of the claim; (3) draws all reasonable factual inferences in favor of the non- movant; and (4) denies dismissal if recovery on the claim is reasonably conceivable. 12

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Wallworks, Inc. v. Dougherty & Conrad Insurance Services, Counsel Stack Legal Research, https://law.counselstack.com/opinion/wallworks-inc-v-dougherty-conrad-insurance-services-delsuperct-2024.