Sentinel Insurance v. Monarch Med Spa, Inc.

MEMORANDUM

KEARNEY, District Judge.

Commercial insurance policies define the insured’s scope of recovery and the insurance company’s obligations to indemnify or defend upon a defined loss. Sophisticated commercial insureds, such as a medical spa offering liposuction surgery through doctors and nurses, purchase a level of insurance coverage based on their business judgment. We do not re-write insurance policies because the negotiated terms excluding certain claims from coverage do not save an insured from claimed financial ruin. Here, Plaintiff medical spa owners purchased an insurance policy…