Royal Indemnity Co. v. Baker Protective Services, Inc.

Plaintiff Metropolitan Company (“Metropolitan”) operates retail clothing stores in the Dayton area. Plaintiffs Royal Indemnity Company and Admiral Insurance Company insured Metropolitan against burglary losses at the Metropolitan downtown store.

On January 13,1981, Metropolitan entered into a renewal burglary alarm contract with Wells Fargo Alarm Services, Inc. (“Wells Fargo”), predecessor of defendant Baker Protective Services, Inc. and a subsidiary of defendant Baker Industries, Inc.

On May 22 or May 23, 1982, a burglary and theft of merchandise occurred at the Metropolitan downtown store.…