Hoffman Construction Co. v. Fred S. James & Co.

*331EDMONDS, J.

Plaintiffs brought this declaratory judgment action to recover under an umbrella liability insurance policy issued by defendant.1 The trial court granted defendant’s motion for summary judgment and denied plaintiffs’ motion for summary judgment.2 We affirm.

Defendant sold plaintiffs an umbrella liability insurance policy, which provides that defendant will pay the excess over the “amount recoverable” on the underlying insurance policies listed in the policy. Those policies were for $50,000 with Seaboard Surety Company (Seaboard) and $450,000 with Holland-America Insurance Company…