{"id":71445,"date":"2025-02-06T12:25:31","date_gmt":"2025-02-06T12:25:31","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/insurance\/the-eleventh-circuit-upholds-prior-knowledge-exclusion-in-berkley-assurance-company-v-expert-group-international-inc\/"},"modified":"2025-02-06T12:25:31","modified_gmt":"2025-02-06T12:25:31","slug":"the-eleventh-circuit-upholds-prior-knowledge-exclusion-in-berkley-assurance-company-v-expert-group-international-inc","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=71445","title":{"rendered":"The Eleventh Circuit Upholds Prior Knowledge Exclusion in Berkley Assurance Company v. Expert Group International Inc."},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<h4 class=\"wp-block-heading\">By, Esther A. Zucarro, Esq.<\/h4>\n<p><em>Berkley<br \/>\nAssurance Co. v. Expert Grp. Int\u2019l Inc.<\/em>, 779 F. App\u2019x 604 (11th Cir. 2019) addressed an insurance<br \/>\ncoverage dispute as to whether insurer Berkley Assurance Company (\u201cBerkley\u201d)<br \/>\nowed a duty to defend and\/or indemnify its insured, Expert Group International,<br \/>\nInc., doing business as \u201cExpert Au Pair\u201d in light of the subject policy\u2019s prior<br \/>\nknowledge exclusion. Berkley sought a declaratory judgment that it had no duty<br \/>\nto defend or indemnify Expert Au Pair for a former client\u2019s claims. The United<br \/>\nStates Court of Appeals for the Eleventh Circuit, affirming the United States<br \/>\nDistrict Court for the Middle District of Florida, ultimately concluded that<br \/>\nthe policy\u2019s prior knowledge exclusion applied.<\/p>\n<p>Expert Au Pair is a federally designated<br \/>\nsponsor for the J-1 Au Pair Program, operated by the U.S. Department of State.<br \/>\nSponsors of J-1 visas, such as Expert Au Pair, manage the program on behalf of<br \/>\nthe Government, where they perform screening, training, placement, and<br \/>\nsupervision of the program\u2019s au pairs and host families.\u00a0 <\/p>\n<p>In the underlying action, a former au<br \/>\npair client filed suit against Expert Au Pair in October 2016, alleging that<br \/>\nExpert Au Pair negligently misrepresented minimum-wage laws. Expert Au Pair<br \/>\ntimely reported the claim to Berkley, its errors and omissions liability<br \/>\ninsurance carrier. However, Berkley refused to defend Expert Au Pair and then<br \/>\nfiled an action for declaratory relief, alleging that Expert Au Pair\u2019s claim<br \/>\nwas not covered due to its knowledge of the basis for the lawsuit before the<br \/>\npolicy\u2019s inception date. <\/p>\n<p>Berkley\u2019s argument cited a 2014 federal<br \/>\nclass action lawsuit (the \u201cBeltran case\u201d), where an au pair participating in<br \/>\nthe J-1 Program filed suit against Expert Au Pair and all other federal<br \/>\nsponsors, alleging that Expert Au Pair violated the Sherman Act by engaging<br \/>\nwith other sponsors in illegal price fixing to set au pair minimum wages below<br \/>\nthe requirements of federal and state minimum wage laws. A second amended<br \/>\ncomplaint in the Beltran case was filed in October 2016 adding additional named<br \/>\nplaintiffs and further claims. One of the newly named plaintiffs, Nicole<br \/>\nMapledoram, participated in the J-1 Program, and was sponsored by Expert Au<br \/>\nPair from April 2014 to April 2016. In the second amended complaint, Mapledoram<br \/>\npleaded a claim for negligent misrepresentation against Expert Au Pair, among<br \/>\nasserting other claims.<\/p>\n<p>Expert Au Pair provided notice of the<br \/>\ninitial complaint on February 2, 2015 to Colony Insurance Company, its former<br \/>\nerrors and omissions (\u201cE&amp;O\u201d) carrier. Two days later, Expert Au Pair<br \/>\napplied for \u201cclaims made\u201d E&amp;O liability insurance with Berkley. On the<br \/>\napplication, Expert Au Pair\u2019s founder answered \u201cno\u201d when asked if he was \u201caware<br \/>\nof any fact, circumstance, situation, incident, or allegation of negligence or<br \/>\nwrongdoing, which might afford grounds for any claim such as would fall under<br \/>\nthe proposed insurance?\u201d Thereafter, Berkley issued an E&amp;O policy to Expert<br \/>\nAu Pair effective from February 14, 2015 to February 14, 2016, and afterward<br \/>\nissued a renewal policy effective from February 14, 2016 to February 14, 2017. <\/p>\n<p>In response to Expert Au Pair\u2019s request<br \/>\nthat Berkley provide a defense and indemnification to Mapledoram\u2019s claims,<br \/>\nBerkley denied coverage due to the policy\u2019s prior knowledge exclusion, then<br \/>\nfiled an action for declaratory relief. The District Court heard cross motions<br \/>\nfor summary judgment, ultimately entering summary judgment in favor of Berkley,<br \/>\nfinding Expert Au Pair had sufficient prior knowledge of Mapledoram\u2019s claims,<br \/>\ngiven the current status of the Beltran class action lawsuit. Accordingly, the<br \/>\nprior-knowledge exclusion applied, and no coverage was available. Expert Au<br \/>\nPair\u2019s appeal to the Eleventh Circuit followed.<\/p>\n<p>In the appeal, Expert Au Pair claimed<br \/>\nthat Berkley owed a duty to defend the claim, as the negligent<br \/>\nmisrepresentation claim fell within the scope of the E&amp;O policy\u2019s<br \/>\ncoverages. Further, Berkley argued that the prior knowledge exclusion did not<br \/>\napply, since the Beltran claim dealt with intentional conduct, while<br \/>\nMapledoram\u2019s claim addressed negligence. Expert Au Pair also maintained that<br \/>\nthe prior knowledge exclusion should be strictly interpreted and the Middle<br \/>\nDistrict\u2019s broad interpretation served to render the policy\u2019s coverage<br \/>\nillusory.<\/p>\n<p>Expert Au Pair argued that its coverage<br \/>\nshould be interpreted as one continuous policy, concluding that the \u201cinception<br \/>\ndate of this policy\u201d was February 2015, when the initial Berkley policy became<br \/>\neffective. Berkley instead maintained that Expert\u2019s initial and renewal<br \/>\npolicies with Berkley were separate and distinct contracts, thus the inception<br \/>\ndate was February 2016. The Eleventh Circuit agreed with Berkley, explaining<br \/>\nthat the initial and renewal policies \u201cclearly contemplate that each policy is<br \/>\ndistinct for purposes of determining coverage\u201d as each policy has its own<br \/>\npolicy number, policy period, coverage limits, and premium. Accordingly, the<br \/>\nphrase \u201cinception date of this policy\u201d references the specific policy subject<br \/>\nto coverage. The Court then reasoned that the relevant policy period was the<br \/>\nrenewal policy, since Mapledoram\u2019s claims were first made against the insured<br \/>\nin October 2016, when such policy was in effect.<\/p>\n<p>Next, the Eleventh Circuit determined<br \/>\nwhether Expert Au Pair\u2019s prior knowledge as of the renewal policy\u2019s effective<br \/>\ndate, February 14, 2016, barred coverage by virtue of the renewal policy\u2019s<br \/>\nprior knowledge exclusion. The subject renewal policy provided coverage to Expert<br \/>\nso long as \u201cno insured had any knowledge of any circumstance likely to result<br \/>\nin or give rise to a \u2018claim\u2019 nor could have reasonably foreseen that a \u2018claim\u2019<br \/>\nmight likely be made\u201d as of the policy\u2019s inceptions date.<\/p>\n<p>The Eleventh Circuit ultimately found in<br \/>\nfavor of Berkley, explaining that the negligent misrepresentation claims<br \/>\nagainst other program sponsors and the possibility of additional plaintiffs<br \/>\njoining the Beltran class action were reasons that Expert Au Pair could<br \/>\nreasonably anticipate a negligence claim might be filed against it, even if it<br \/>\ncould not anticipate the particular plaintiff:<\/p>\n<p class=\"has-text-align-left\">The question under the prior-knowledge exclusion in this<br \/>\ncase is whether Expert Au Pair \u201ccould have reasonably foreseen that a \u2018claim\u2019<br \/>\nmight likely be made,\u201d not whether such a claim would be likely to succeed.<br \/>\nNotwithstanding that Expert Au Pair may have had reasons to believe that its<br \/>\npractices differed from other sponsors, it also knew that, as we\u2019ve already<br \/>\nexplained, it was alleged to have committed essentially the same conduct as the<br \/>\nother defendants to the negligent-misrepresentation claim. Any reasonable<br \/>\ninsured in these circumstances \u201ccould have foreseen that a similar claim might<br \/>\nlikely be made\u201d against it as well, even if they believed such a claim unfounded.<\/p>\n<p><em>Id<\/em>. at 612. Moreover, the Court reasoned<br \/>\nthat the prior knowledge exclusion did not operate to render all coverage<br \/>\nillusory, as its application was limited to the facts of the instant case.<\/p>\n<\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>By, Esther A. Zucarro, Esq. Berkley Assurance Co. v. Expert Grp. Int\u2019l Inc., 779 F. App\u2019x 604 (11th Cir. 2019) addressed an insurance coverage dispute as to whether insurer Berkley Assurance Company (\u201cBerkley\u201d) owed a duty to defend and\/or indemnify its insured, Expert Group International, Inc., doing business as \u201cExpert Au Pair\u201d in light of [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[94],"tags":[37387,37386,3023,3619,37384,22841,4687,3463,3006,6321,12906,37385],"dealstore":[],"offerexpiration":[],"class_list":["post-71445","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-assurance","tag-berkley","tag-circuit","tag-company","tag-eleventh","tag-exclusion","tag-expert","tag-group","tag-international","tag-knowledge","tag-prior","tag-upholds"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Eleventh Circuit Upholds Prior Knowledge Exclusion in Berkley Assurance Company v. 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