P & a Floor Co., Inc. v. Burch

On August 17, 1990, while plaintiff P&A Floor Company, Inc. (P&A), was performing a floor-sanding operation at a property owned by the underlying plaintiffs Adrian and Linda Winick, 1 a fire broke out. After the fire, the Winicks filed the underlying lawsuit against P&A in the circuit court of Cook County, seeking to hold P&A responsible for damages that resulted from the fire. Thereafter, P&A contacted its insurance carrier, defendant Statewide Insurance Company (Statewide), to inform it of the fire, at which time Statewide advised P&A that the Statewide policy at issue had been cancelled…