STK Enterprises, Inc. v. Crusader Insurance

Plaintiff operates The Refectory, a restaurant and bar in Portland. In this case, it seeks to recover from defendant, its insurer, the cost of defending and settling three customers’ claims of racial discrimination. The trial court granted defendant’s motion for summary judgment, ORCP 47, and plaintiff appeals. We affirm.

We first consider plaintiffs claims for the costs of defending the claims. To determine whether an insurer has a duty to defend an action against its insured, we compare two documents, the complaint filed against the insured and the insurance policy. If the complaint alleges…