## I N THE UNI TED STATES COURT OF APPEALS FOR THE FI F TH CI RCUI T

No. 12-20428

NAT’L UNION FIRE INS. CO OF PITTSBURGH, PA, Plaintiff-Appellee,
v. CONTINENTAL CARBON CO., Defendant-Appellant.

Appeal from the United States District Court for the Southern District of Texas U .S.D.C. No. 4:10-cv-02379

Before STEWART, Chief Judge, and SMITH and WIENER, Circuit Judges. PER CURIAM: * 

### This c ase involves an insurance coverage d ispute which stems from six underlying suits ( “the p ollution suits”) filed by v a r i o us p laintiffs alleging

e xposure to dust and p articulate pollution discharged by the d efen d a n t , Continental Carbon Company ( “ CCC”). 1 

### National Union Fire Insurance Company of P itt s b u r g h, P A ( “National Union”) insured CCC over a period of
y e a r s under several primary and umbrella insurance policies. CCC sou g h t U n i t e d S t a te s C o u r t o f A p p e al s

F i f t h C i rc u i t 

## F I L E D March 25, 2013 Ly l e W . Cay ce Clerk

* Purs uant to 5 T H C I R

. R

. 47. 5, the court has d eterm ined that this op inion s hould not be p ublis hed and is not preced ent excep t und er the lim ited circum stances s et f orth in 5 T H C I R

. R. 47. 5. 4.

1 All s ix und erlying s uits have now been res olved , one by trial and f ive by settlem ent. 

### Case: 12-20428 Document: 00512185315 Page: 1 Date Filed: 03/25/2013

### No. 12-20428

defense and indemnity from National Union i n the po l l u t ion suit proceedings under the umbrella insurance policies. National Union denied CCC’s request, citing the plain la n g u age of the policies, the pollution e xclusions c ontained therein, and the inapplicability o f the corresponding exceptions to those exclusions. After t he conclusion of various other state court, federal district c o urt, and arbitration proceedings, National U nion and CCC both filed motions for partial
summary judgment i n federal district court in Houston, T e x a s. The district judge rendered summary j u d g m e n t in favor of National Union, holding that it did n ot have a duty to defend or i ndemnify CCC i n t he pollution suits under any of the umbrella i nsur a n c e p olicies effective between t he parties from 1995-2001. 2 

### CCC filed the instant appeal. This court reviews a district court’s grant of s ummary j udgment de novo. Nat’l Cas. Co. v. W

. World Ins. Co. , 669 F.3d 608, 6 12 (5th Cir. 2 012). The interpretation o f an insurance contract is a lso reviewed d e n ovo. I d

. The parties do not dispute that Texas law applies in these proceedings. After hearing the parties’ a rguments on a ppeal, and after reviewing the briefs, the record, the insurance policies at issue, the a pplicable statutory and

case law, and the district court’s s u mmary judgment and reasoning, we AFFIRM the district court’s judgment and adopt its analysis in full. 3

2 The d is trict court als o granted both of N ational U nion’s M otions to Strik e late- f iled evid ence s ubm itted by C CC, neither ord ers of w hich are ap p ealed by CCC.

3 CCC is correct that the d is trict court incorrectly s tated that, becaus e it f ound no d uty to d ef end , N ational U nion theref ore ow ed no d uty t o ind em nif y. See G i l ba ne Bl dg. Co. v
. A dm i ra l Ins. C o
. , 6 6 4 F

. 3d 589, 601 ( 5th Cir. 2011) ( s tating that “[ t] he d uty to ind em nif y is
s ep arate and dis tinct f rom the d uty to d ef

end

. ”)

. H ow ever, the d is trict court’s ultim ate hold ing that N ational U nion d id not hav e a d u t y to ind em nif y und er the p olicies was nevertheles s correct becaus e w hen there is no coverage und er a p olicy f or a los s , no ind em nity is ow ed

. See genera l l y D el t a Sea boa rd Wel l Serv s. v
. A m
. Int' l Sp eci al ty Li nes Ins. Co. , 602 F .3d 340 ( 5th Cir. 2010)

. 

### 2 Case: 12-20428 Document: 00512185315 Page: 2 Date Filed: 03/25/2013