Estate of Clem v. Western Heritage Insurance

This is a diversity insurance coverage lawsuit under Kentucky law arising from the October 2001 death of a teenage boy from injuries that he suffered while riding on a float that had just completed a town parade route in Nicholasville, Kentucky. The decedent’s family (“Estate”) filed suit in state court against a variety of defendants, including the local Chamber of Commerce (“Chamber”) that had organized the parade. The Chamber’s insurance company, Defendant-Appellee Western Heritage Insurance Co. (‘Western”), refused to cover the loss because, it claimed, the loss fell within one of the…