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THV Investments, LLC v. Certain Underwriters
In this insurance coverage dispute, THV Investments, LLC (THV) appeals from a judgment of dismissal entered after the trial court granted summary judgment in favor of Certain Underwriters at Lloyds of London, 100% Syndicate 5151 (Lloyds) and several of Lloyds's related entities. In granting summary judgment, the trial court found that Lloyds owed no duty to defend or indemnify its insured, Ernesto R. Ruiz, in a separate lawsuit that THV filed against Ruiz relating to the unsuccessful development of a residential subdivision. Specifically, the trial court concluded that the causes of action that THV asserted against Ruiz in the separate action did not constitute claims for "property damage," and thus did not fall within the scope of coverage under Ruiz's commercial general liability insurance policy (the CGL Policy). Additionally, the trial court found that two endorsements to the CGL Policy—which limited Lloyds's duty to defend and indemnify Ruiz against claims

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