Opinion ID: 2769061
Heading Depth: 2
Heading Rank: 2

Heading: The Pending Case

Text: In the appeal now before us, Plaintiffs-Appellees Travelers Property Casualty Company of America (“Travelers”), and St. Paul Fire and Marine Insurance Company (“St. Paul”) (collectively, “Insurance Companies”) filed suit in the Northern District of Georgia for a declaratory judgment that they were not obligated to defend or indemnify their insureds, the Car Rental Companies, in the 2 Section 1681o allows a plaintiff to prove and recover actual damages for negligent violations of FACTA. See 15 U.S.C. § 1681o. In the Galloway Action, however, Galloway limited his and the proposed class’s claims to “willful” violations. 4 Case: 14-11006 Date Filed: 01/12/2015 Page: 5 of 29 underlying Galloway Action. The Car Rental Companies counterclaimed for breach of contract and bad faith arising from the Insurance Companies’ failure to defend or indemnify them. Because the parties’ claims turn on whether the insurance-policy agreements made between the Insurance Companies and the Car Rental Companies provide coverage for the Car Rental Companies’ alleged FACTA violations in the Galloway Action, we review the applicable parts of the insurance policies that govern.
Travelers issued four primary commercial general-liability insurance policies to Betterway (the “Travelers Policies”).3 St. Paul also issued four excess commercial general-liability insurance policies to Betterway (the “St. Paul Policies”) (together with the Travelers Policies, the “Policies”). 4 Appellant KC Landsmen is a named insured on all of the Policies. As relevant to this appeal, the Travelers Policies are identical to one another, as are the St. Paul Policies. The Travelers Policies insure the Car Rental Companies for damages arising from various injuries, including “personal injury” suffered by third parties. Coverage B of the commercial general-liability part of the Travelers Policies was 3 The Travelers Policies covered consecutive one-year terms. The first policy’s coverage began on May 1, 2008, and the last policy’s coverage terminated on May 1, 2012. 4 Like the Travelers Policies, the St. Paul Policies covered consecutive one-year terms and contained the same start and end dates as their Travelers counterparts. See supra note 3. 5 Case: 14-11006 Date Filed: 01/12/2015 Page: 6 of 29 amended by a “WEB XTEND LIABILITY” Endorsement to provide insurance coverage for “personal injury” stemming from the insured’s business: COVERAGE B. PERSONAL AND ADVERTISING INJURY LIABILITY (SECTION I – COVERAGES) is deleted in its entirety and replaced by the following: COVERAGE B. PERSONAL INJURY, ADVERTISING INJURY AND WEB SITE INJURY LIABILITY 1. Insuring Agreement.
becomes legally obligated to pay as damages because of “personal injury,” “advertising injury” or “web site injury” to which this insurance applies . . .