Oxendine v. TWL, INC.

ELMORE, Judge.

The present appeal stems from the workers’ compensation insurance contract between TWL, Inc. (TWL) and Canal Insurance Company (Canal). Canal and TWL entered into an insurance contract in March, 2002; the policy’s effective dates were 20 March 2002 through 20 March 2003. On 18 September 2002, Canal prepared a “Notice of Cancellation of Insurance.” The notice stated that TWL’s policy would be cancelled, effective 7 December 2002, for “underwriting reasons.” On 25 November 2002, Patty Watts, who worked for Canal’s managing agent, Golden Isle Underwriting, Inc. (Golden), sent TWL a…