Southern v. Sphere-Drake Ins. Co., Inc., SPHERE-DRAKE

Decision Date13 May 1997
Docket NumberSPHERE-DRAKE,No. A97A1479,A97A1479
Citation226 Ga.App. 450,486 S.E.2d 674
Parties, 97 FCDR 2049 SOUTHERN et al. v.INSURANCE COMPANY, INC.
CourtGeorgia Court of Appeals

Barry Staples, L. Chandler Vreeland, Marietta, for appellants.

Alan I. Begner, Scott M. Zahler, Charles M. Goetz, Jr., Benjamin T. Hughes, for appellee.

HAROLD R. BANKE, Senior Appellate Judge.

The instant case arose from a determination of insurance coverage relating to an incident at Kingshead Pub ("Kingshead") in which Danny Southern and Diane Key Cart were allegedly injured during an altercation involving Kingshead's employees. Southern and Cart asserted claims for assault and battery, malicious prosecution, false arrest, and false imprisonment. In addition, they alleged their injuries resulted from Kingshead's negligent hiring, training and supervision of its employees. Southern and Cart sought compensatory and punitive damages. Kingshead's insurer, Sphere-Drake Insurance Company, Inc. ("Sphere-Drake") sought declaratory relief, contending the liability coverage sought fell outside Kingshead's general liability insurance policy. After Sphere-Drake moved for summary judgment, Southern and Cart again amended their complaint to allege in the alternative that their injuries and damages were the result of negligence or negligent acts.

It is undisputed that the subject policy contains the following assault and battery/negligent hiring exclusion: "Notwithstanding anything contained to the contrary, it is understood and agreed that this policy excludes claims arising out of: 1. Assault and Battery, whether caused by or at the instruction of, or at the direction of or negligence of the insured, his employees, patrons, or any causes whatsoever and; 2. Allegations that the insured's negligent acts, error or omissions in connection with the hiring, retention, supervision or control of employees, agents or representatives caused, contributed to, related to or accounted for the assault and battery." The insurance policy at issue also contains a punitive damages exclusion endorsement.

The trial court determined that neither Kingshead nor its employees were entitled to insurance coverage for any claims arising out of the alleged altercation and its aftermath. In its order, the court noted, "Southern and Cart cannot amend their Original Complaint to include allegations of general negligence simply to avoid non-coverage on the claims raised in the Original Complaint. For these reasons, the Court finds that summary judgment in favor of Plaintiff Sphere-Drake is proper on all negligence claims raised in the Amended Complaint." Southern and Cart appeal summary judgment granted to Sphere-Drake. Held:

Southern and Cart contend that summary judgment was precluded by unresolved questions of material fact. At the outset, we note that Southern and Cart had a right to amend their complaint regardless of whether the negligence theories raised in the amended complaint were inconsistent with the intentional torts asserted in their earlier complaint. Parties may set forth inconsistent claims and theories and may freely amend their complaint prior to the entry of a pretrial order. OCGA §§ 9-11-8(e)(2); 9-11-15(c); D. H. Overmyer Co. v. Kapplin, 122 Ga.App. 51, 53(1), 176 S.E.2d 207 (1970) (plaintiff has right to plead inconsistent, alternative theories).

Nevertheless, the trial court properly granted Sphere-Drake's motion for summary judgment notwithstanding Southern and Cart's unsuccessful belated effort to incorporate claims for negligence. See Precise v. City of Rossville, 261 Ga. 210, 211(3), 403 S.E.2d 47 (1991) (judgment right for any reason will be affirmed). Regardless of whether Southern and Cart assert that their injuries were deliberately or negligently inflicted,...

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12 cases
  • Mbigi v. Wells Fargo Home Mortg.
    • United States
    • Georgia Court of Appeals
    • 22 d2 Março d2 2016
    ...were inconsistent, he was free to plead alternative and inconsistent theories in his complaint. See Southern v. Sphere–Drake Ins. Co., 226 Ga.App. 450, 451, 486 S.E.2d 674 (1997). See also OCGA § 9–11–8(e)(2) (“A party may also state as many separate claims or defenses as he has, regardless......
  • Hooters of Augusta, Inc. v. American Global Ins.
    • United States
    • U.S. District Court — Southern District of Georgia
    • 23 d3 Julho d3 2003
    ...which are specifically excluded from the Commercial General Liability Coverage Part.") (emphasis added); Southern v. Sphere-Drake Ins. Co., 226 Ga.App. 450, 452, 486 S.E.2d 674 (1997) (stating that in a general liability policy "the punitive damage exclusion endorsement specifically foreclo......
  • Kay-Lex Co. v. Essex Ins. Co.
    • United States
    • Georgia Court of Appeals
    • 10 d2 Julho d2 2007
    ...contract provision is clear and unambiguous, its interpretation is a matter for the court. [Cits.]" Southern v. Sphere-Drake Ins. Co., 226 Ga.App. 450, 451, 486 S.E.2d 674 (1997). "[I]f the policy exclusions are unambiguous they must be given effect even if beneficial to the insurer and det......
  • Corporate Property Investors v. Milon
    • United States
    • Georgia Court of Appeals
    • 8 d2 Maio d2 2001
    ...act cannot be malicious, because acting with malice is an intentional act as opposed to a careless act. See Southern v. Sphere-Drake Ins., 226 Ga.App. 450, 452, 486 S.E.2d 674 (1997). However, in this case, the traditional elements of negligence apply, i.e., (1) a legal duty to exercise ord......
  • Request a trial to view additional results
2 books & journal articles
  • CHAPTER 10 Directors and Officers Liability and Professional Liability Insurance
    • United States
    • Full Court Press Insurance for Real Estate-Related Entities
    • Invalid date
    ...Specialty Insurance Co. v. Caliber One Indemnity Co., 988 So.2d 708 (Fla. App. 2008). Georgia: Southern v. Sphere-Drake Insurance Co., 486 S.E.2d 674, 676 (Ga. App. 1997). Louisiana: McDaniel v. DeJean, 556 So.2d 1336, 1339 (La. App. 1990). Massachusetts: Terra Nova Insurance Co. v. Fray-Wi......
  • Chapter 9
    • United States
    • Full Court Press Business Insurance
    • Invalid date
    ...Specialty Insurance Co. v. Caliber One Indemnity Co., 988 So.2d 708 (Fla. App. 2008). Georgia: Southern v. Sphere-Drake Insurance Co., 486 S.E.2d 674, 676 (Ga. App. 1997). Louisiana: McDaniel v. DeJean, 556 So.2d 1336, 1339 (La. App. 1990). Massachusetts: Terra Nova Insurance Co. v. Fray-Wi......

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