Opinion ID: 58721
Heading Depth: 1
Heading Rank: 1

Heading: facts

Text: American International issued an Architects & Engineers Professional Liability Policy to MACTEC. The only dispute before this Court concerns the interpretation of the Self-Insured Retention provision of the policy. This provision limits the liability of American International to amounts “in excess of the SelfInsured Retention” amount stated on the declarations page. After the aggregate amount is paid by the insured, the “Each/Every (Drop Down)” retention amount applies to all claims: The “Each Claim” Self-Insured Retention amount shown in Item 4 of the Declarations is the retention amount applicable to each “claim.” However, once the Named Insured pays retentions which in the aggregate equal or exceed the amount shown in Item 4 (aggregate) of the Declarations, the “Each/Every (Drop Down)” retention amount shown in Item 4 of the Declarations shall apply thereafter to each “claim” covered by this policy and in no event shall the retention amount be less than the “Each/Every (Drop Down)” retention amount shown in Item 4 of the Declarations. The declarations page lists the following amounts, under “Item 4 Self-Insured Retention,” that govern the Self-Insured Retention provision of the policy: 2 $1,000,000 Each Claim $2,000,000 Term Aggregate $500,000 Each/Every (Drop Down). The only claims before the district court were for damages and declaratory relief regarding the interpretation of the Self-Insured Retention provision of the policy. American International moved for judgment on the pleadings under Federal Rule of Civil Procedure 12(c), and MACTEC moved for partial summary judgment. The district court entered judgment in favor of American International.