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B eca us e ouropi ni on i s w hol l yw i t houtpr ece dent i al val ue, and bec aus e the part i es and the D i s t r i ctC our tar e fa m i l i arw i t h i t s oper at i ve fa ct s , w e off eronl yan abbr evi at ed re c itatio n to e x p lain w h yw e w ill a f f irm th e o rd e r o f

th e D istric t C o u rt. L l oy d’ s of London i s s ued a c om m er ci al gener al l i abi l i t ypol i cyt o A ngel a R aw l i ns d/b/ a B unkerH i l l H ot el . T he pol i cycont ai ned gene r al l i abi l i t ypr ovi s i ons t hatcover ed b o d i l y i n j u r i e s o rp r o p e r t y d a m a g e c a u s e d b y a n o c c u r r e n c e w i t h i n t h e c o v e r a g e t e r r i t o r y. A m ong t he endor s ement s m odi fy i ng t he pol i cyw as one thats t at ed thatt he i ns ur ance p o licyd o e s n o t ap p lyto a ss a u lt an d b a ttery, re g a rd les s o f in ten t, or a n ya c t o r f

a ilu re to pr eventors uppr es s s uch as s aul tand batt eryorphy s i cal al t er cat i on “ca us ed byt he i ns ur ed, an empl oy ee, a patr on oranyot herper s on. ” The pol i cyal s o excl uded damages ar i s i ng outof “a l l egat i ons of . . . anyact , err ororom i s s i on r el at i ng t o s uch as s aul tand/ or bat t eryorphy s i cal al t er cat i on. ” L l oy d’ s fi l ed a de cl ar at or yj udgm entact i on, and the i ns t ants um m aryj udgm ent m ot i on, t o es t abl i s h t hati tdi d nothave a dut yt o defe nd t he i ns ur ed i n act i ons br oughtby a r epr es ent at i ve of Sherr i tJ ames, dece as ed, and D ar en St evens w ho had r ent ed a r oom at th e h o te l. O u r r e v ie w is p le n a ry. Torr et t i v. Mai n Li ne H os pi t al s , I nc. , 580 F. 3d 168, 172 (3 d C ir . 2 0 0 9 ). T he under l y i ng s ui t s ar os e fr om t he murde rof J ames a nd t he guns hotw ounds s us t ai ned bySt evens w hen theyw er e i n t hei rr oom att he hot el . T he murde rand w ounds w er e att he hand J oel D ow dy e, a form erpol i ce de t ect i ve, w ho w as pr evi ous l yi n a3

re latio n sh ip w ith Ja m e s. T h e c o m p lain ts a lleg e n e g lig e n c e a g a in st th e h o tel, its e m p lo y e e s a n d a g e n ts. S p e c if ica lly , the c o m p lain ts a ss e rt th a t th e h o tel n e g lig e n tly al l ow ed D ow dy e i nt o t he hot el , t ol d hi m t he r oom i n w hi ch St evens and J ames c oul d be f o u n d , a n d f

a ile d to w a rn S te v e n s a n d J a m e s th a t D o w d y e w a s o n th e p re m is e s . T he D i s t r i ctC our tdet er m i ned thatt he pol i cyl anguage expr es s l yexcl udes t he l i abi l i t yas s er t ed i n t he under l y i ng cas e aga i ns tt he B unkerH i l l H ot el . A s a r es ul t , t he D i s t r i ctC our trul ed i n favorof Ll oy d’ s , es t abl i s hi ng t hati tdoes nothave a dut yt o defe nd th e in s u re d a g a in s t th e lia b ility a s s e rt e d b yS te v e n s a n d th e re p re s e n ta tiv e o f J a m e s . A f te r a th o ro u g h re v ie w o f th e re c o rd , w e a g re e w ith th e D is tr ic t C o u rt ’s ru lin g . T h e re f o re , fo r e ss e n tiallyth e sa m e re a so n s e x p re ss e d b yth e D istric t C o u rt w e w ill a f f ir m th e o rd e r.