DIRECTV v. Factory Mutual Insurance Co.

MEMORANDUM **

Defendant Factory Mutual Insurance Company promised to insure Plaintiff DIRECTV against business interruptions stemming from certain events at “contingent time element locations.” The insurance policy’s definition of such locations included any location “of a direct supplier, contract manufacturer or contract service provider to [DIRECTV].” The question in this case is whether Western Digital, which manufactures hard drives that are used in DIRECTV’S set-top boxes—but which does not have a contractual relationship with DIRECTV and does not send its hard drives directly to DIRECTV…