Horan & Co. v. Republic Insurance Group

The defendant appeals the trial court’s judgment holding the plaintiff was entitled to be defended and indemnified by the defendant.

The plaintiff, Horan and Company, owned the real estate on which was located an establishment known as E.T.’s Spirits and Stuff (E.T.’s). E.T.’s requested a liability insurance policy from the Hawk Agency, Inc. (Hawk). Hawk, an independent insurance agent, is not employed by any particular company, including Republic Insurance Group (Republic), the defendant in this case. Hawk dealt directly with Republic’s general agent, Insurance Management, Inc. (IMI), rather…