Underwriters at Lloyds, London v. VIP Distributors, Inc.

Underwriters at Lloyds, London, appeal a summary final judgment. We reverse.

Lloyds issued an open cargo policy of insurance to appellee VIP Distributors, Inc., which is in the business of importing and distributing goods. VIP contends that, in 1990, it shipped approximately $300,000 worth of perfume products by Ladeco Airlines to Miami, Florida. The morning following the arrival of the Ladeco flight, the perfume products could not be located among the cargo unloaded from the Ladeco airplane. VIP made an insurance claim with Lloyds, which denied coverage.1

*292It is axiomatic that on a motion for…