In Companion Property & Casualty Ins. Co. v. All Roof Systems, LLC, a Florida man was apparently severely injured when he fell through a hole that was concealed while working on a roof. At the time, the man was a contract employee who was leased to the roofing company by a staffing agency. As a result of his injury, the hurt man and his wife filed a lawsuit against the roofing company in state court. In the couple’s state court complaint, they argued the roofer was not entitled to enjoy workers’ compensation immunity under Section 440.11(1)(b)(2) of the Florida Statutes.
Next, the roofing company’s insurer filed a motion for judgment on the pleadings with the Middle District of Florida in Tampa. According to the insurance company, it had no duty to defend or indemnify the roofer because the plaintiff’s injury resulting from the concealed hole constituted an intentional tort. Under Florida’s no-fault workers’ compensation law, employers are not provided with immunity for intentional torts. In addition, the insurer claimed such a claim was not covered under the roofer’s insurance policy.