T hi s di s pos i t i on i s notappr opr i a t e f orpubl i c a t i on and i s notpr e c e de nt * e xc e pta s pr ovi de d by9th C i r . R . 36- 3.

T he pa ne l una ni m ous l yc onc l ude s thi s c a s e i s s ui t abl e f orde c i s i on ** w ith o u t o r a l a r g u m e n t. See F ed. R . A pp . P . 34 (a )( 2).

T he H onor abl e R udi M . B r e w s t e r , S e ni orU ni t e d S t a t e s D i s tr i c tJ udge ** * f orthe S outhe rn D i s tr i c tof C a l i f orni a , s i tt i ng by de s i gna t i on. NOT F OR P UB L I CAT I ON UN I TE D STATE S C OU RT OF APPE ALS FOR T HE NI NTH CI RC UI T LI V EBY TH EPA RK PA LM SPRI N G S, LP, P la in tif

f - A p p e lla n t, v. A RCH SPECI A LTY I N SU RA N CE C O M P A N Y , aW i s c ons i n C orpor a t i on, D ef

endant- A pp el l ee . N o. 09- 56296 D. C . No . 5 : 0 9 - c v - 0 0 4 6 7 - VA P - OP ME MOR AN DU M *

A pp ea l fr om the U ni t ed S t at es D i stri ctC ou rt f o rth e C e n tr a l D is tr ic t o f C a lif o rn ia V i r gi ni aA . P hi l l i ps , D i s tr i c tJ udge , P r e s i di ng S ubm i tt e d D e c e m be r6, 2010 ** P a s a d e n a , C a lif

o rn ia B e f or e : T R O T T a nd W A R D L A W , C i r c ui tJ udge s , a nd B R E W S T E R , S e ni or D i stri ctJudg e. *** 

# FI LED DE C 09 2010 M OLLY C. DW Y ER, CLERK U . S. C O U R T OF APPE ALST h e a tta c k e re n te r e d ag u iltyp le ato f a ls e im p r is o n m e n t. 1 B e c au s e th e p a rtie s a r e f a m ilia rw ith th e u n d e r ly in g f a c ts , w e r e p e a t o n ly thos e ne c e s s a ryt o ourde c i s i on. A p p e lle e h a d ad u tyto d e f e n d th e T h o m p s o n a c tio n f o rn e g lig e n tlyf

a ilin g to prov i de adequat e s ec uri ty. T he att ac ker f al se l y i m pri soned the t enant , ho w ever br i e f l y , i n the e l e va t orbe f

or e a nd di s t i nc tf

r om the a s s aul t . T he i m pr i s onm e nt be ga n the m om e ntthe a tt a c ke rs t oppe d the e l e va t ora nd c ont i nue d thr oughoutthe e nt i r e s ubs e que nta s s aul t , ba tt e ry , a nd a tt e m pt e d r ape , unt i l he pus he d the t e na nt o u t o f th e e le v a to r . A r e a s o n ab le la yp e r s o n r e a d in g th e p o lic yw o u ld b e lie v e it

1 c o v e r e d af

a ls e im p r is o n m e n t c la im th a t p r e c e d e d a n a s s au lt. H o ra ce M a n n In s. Co . v . Ba r b a r a B. , 4 C a l. 4 th 1 0 7 6 , 1 0 8 3 - 8 4 ( 1 9 9 3 ) ; G e n e r a l I n s . C o . v . A m . Sa

fe ty I nde m . C o. , 1 8 5 C a l. A p p . 4 th 1 5 1 5 ( 2 0 1 0 ) ; s e e G u ide o n e E lite I n s . C o . v . O ld C ut lerP resbyter i an Chu rc h, Inc. , 4 2 0 F .3 d 1 3 1 7 ( 1 1 th C ir . 2 0 0 5 ) ; L edbet terv. C onc ord G e ne r al

C or p. , 6 6 5 S o .2 d 1 1 6 6 (S u p . C t. L a. 1 9 9 6 ). T h u s, A p p ellee’s r e lia n c e o n th e a s s au lt a n d b a tte rye x c lu s io n f a ils . T h e C o u rt r e

je c ts A p p e lle e ’s c o n c lu s o rya r g u m e n t th a t th e p o lic yw o u ld c ove raf a l s e i m pr i s onm e ntonl yi f c om m i tt e d bythe i ns ur e d. A ppe l l e e doe s not c i t e a ny l a ngua ge i n the pol i c yt o s upporttha tvi e w . I n a nye ve nt , the a r gum e nt fa il s b ec au se th e ten an t all eg ed th at all o f h erin ju ries ar o se o u t o f th e lan d lo rd ’sf

a i l ur e t o r e s pond t o the c om pl a i nttha ta n “ unke m pttr a ns i e nt ” w a s l oi t e r i ng on the g r o u n d s . Se e Mi n kle rv . Sa f e c o I n s . C o . o f A m. , 4 9 C a l. 4 th 3 1 5 , 3 1 7 ( 2 0 1 0 ) . R E VE R S E D A ND R E MAND E D.