West Best, Inc. v. Lloyds

This is an appeal from a summary final judgment in favor of an insurer against its insured. We reverse and remand for trial as a genuine issue of material fact exists.

Appellant is a family owned jewelry store. Appellee provided an “all-risks” jewelers’ block insurance policy to appellant. A customer left a diamond ring with appellant to be repaired. When she came to pick up the ring almost a month later, appellant discovered that the ring was missing. The customer presented a claim against appellant, who in turn requested that appellee provide coverage and a defense, which it refused to do.

App…